Individual Risk
We will provide a solution to fit your individual needs. Personal Risk cover ensures that you and your family are financially protected in the event of a death, disability, severe illness or loss of income.
Life Cover
Life cover pays a lump sum in the event of a death. It can be used to cover financial obligations, such as funeral costs, outstanding home loans, or to provide capital to those who are left behind for day-to-day expenses etc.
Severe Illness Cover
Severe Illness cover pays out a lump sum, which protects you against the financial impact of a critical illness, such as cancer, a heart attack, stroke etc.
Disabilty Cover
Disability cover protects you against the risk of permanently losing your income if you suffer an illness or injury. It will cover the extra costs of living with an impairment, even if you are still able to work. It can pay out either as a lump sum or as a regular income.
Education Policy
Education policy covers the actual cost of your children’s education, from creche to tertiary education. This will pay out in the event of you or your spouse passing away, becoming disabled or suffering a severe illness.
Investments & Savings
We will help you grow your wealth, whether you are an individual saving for a holiday or retirement, a business looking to build your portfolio or set up a self-insurance fund. We have a vast selection of investment vehicles to invest in, both locally and internationally.
Unit Trusts
Set up to ensure that you have savings should a “Rainy Day “occur.
Endowment Polices
Utilised for high income earners to limit their tax liability both now and in the future. Endowments also provide protection from creditors and are effective vehicles for reducing executors’ fees in one’s estate. They can provide dependants with liquidity whilst the estate is being finalised.
Retirement Annuities
An effective way to save for retirement. Your contributions to a retirement annuity are tax-deductible, and the returns you earn while invested are tax-free. The restrictions in a retirement annuity ensure that your savings are kept for your retirement and safeguarded from any potential creditors.
Tax Free Investments
This lets you grow your money without paying tax on the growth of your investment, the interest or dividends.
Structured Products
Designed to protect your capital and deliver clearly defined returns. This investment is linked to underlying assets with pre-defined features such as a maturity date, capital protection level, etc.
Medical Aid
From entry level hospital plans to comprehensive medical aid options, we have you covered. We will assist you in finding the right healthcare option to suit your needs and your affordability.
Gap Cover
This is a short-term insurance product that assists medical scheme members with shortfalls that occur during in-hospital procedures. Gap cover also assists with shortfalls in oncology, casualty visits, preventative care, and co-payments.
Last Will & Testament
Having a correct Last Will and Testament in place will ensure that your wealth and assets are distributed, according to your wishes, when you pass away. We assist with drafting of Wills as well as deceased estate administration.
Business Assurance
This protects the business from the potential financial consequences should an essential member of the business die, become disabled or suffer a critical illness. This cover can come in the form of a Buy and Sell policy, or a Keyman Policy.
Employee Benefits
We provide a tailored solution for your business to ensure that you can attract and retain employees. Non-salary compensation such as a medical aid, retirement plan or risk benefits enable employers to create a more competitive package for their employees.
Short Term Insurance
Whether you are an individual, or a business owner, we have you covered. We will tailor insurance cover to give you peace of mind, knowing that your assets are sufficiently protected in the event of theft, damage or loss.
Funeral Plans
This pays out a single amount when you or a family member (covered in the policy) dies. The amount paid out can be used towards expenses like a coffin, tombstone, and catering, etc.
Currency Transfers
Transfer money anywhere through one of our preferred currency transfer partners, fast and securely. We also assist our clients with foreign currency accounts, tax clearance, and tax migration.