LIFE ASSURANCE & INVESTMENTS
"Protecting the things that matter to you, as you matter to us"
Life insurance ensures that you and your family are financially protected in the event of a
death, disability, severe illness or loss of income. The life cover portion pays out a lump sum in the event of a death which can then be used by you or your loved ones to cover any financial obligations - from funeral costs to outstanding home loans - that may arise from your death.
In addition, severe illness, disability and income protection benefits can cover your financial needs in the form of either a lump sum payout or a regular income. You can also cover the education costs of your children should you die, become disabled or suffer from a severe illness. We've designed our products to provide relevant, comprehensive benefits that adapt to your changing needs.
Our Life Insurance & Investment Offerings
Life Assurance
We eliminate the dread often associated with unexpected life events by offering quality assurance that brings some comfort to you and your family during life’s most difficult moments. Our cover may include whole of life death benefit, term death benefit, key person insurance, buy & sell insurance.
Dread Disease Cover
An insurance policy that will pay out a lump sum in the event that you are diagnosed with illness leaving you unable to work. This includes serious illnesses like cancer, organ failure and blindness as well as the effects of heart attacks, strokes and transplants.
Disability Cover
If you become disabled and can’t work, you receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen. The lump-sum payout can be used for day-to-day expenses, therapies, and any home alterations required to make living with a disability easier on you and your loved ones.
Premium Waiver
A waiver of premium rider is an optional life insurance add-on that allows you to stop paying your life insurance premium while you're experiencing a qualifying disability.
Income Protector
Income Protector provides income protection to both individuals earning a salary as well as those who are self-employed. As a business owner, your inability to work and earn an income could put the business under severe financial difficulty in the short term.
Retirement Planning
By investing a lump sum or some of your salary each month, you can grow your money over time so that you can retire comfortably. No matter how much you need to or can afford to save, the most important thing is to stay committed to saving.
Wills
A will gives you the control and assurance that the people you love the most will be taken care of when you are no longer there. Without an updated will, your family could be left with financial and legal challenges and disputes that could last for years. Dying intestate (without a valid will) means you have no say over who winds up your estate or what they charge.
Estate Planning
Estate planning involves determining how an individual’s assets will be preserved, managed, and distributed after death. It also takes into account the management of an individual’s properties and financial obligations in the event that they become incapacitated.
Investment Planning
Investment planning is a process that begins when you are clear on your financial goals and objectives. Our Financial Planning process is designed to help you get clear on how to match your financial resources to your financial objectives.
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