Insurance is Plan B, if anything go wrong, Plan B take care of your plan A. It is something most people need, but very few understand.
Risk management is considered to be one of the most important part of the financial planning. Just like you insure your house, car and other property against loss, you should also ensure that you hold suitable personal life insurance against illness or death.
Have you ever think about it?. how your family manage financially without you or were not able to work? Personal insurance can help to prevent your dependants from being financially disadvantaged if anything wrong happen.
We can't protect you from misfortune — a serious accident or illness for example — but we can help you weather the storm if it strikes. We can help ensure that you, or your family, will continue to have the financial resources you need and lifestyle you want at the most crucial times
By making sure you have the right kind of insurance cover and the right amount that is suitable for you. Depending on your individual situation and objectives, these may include Life Insurance, Health Insurance and Income Protection Insurance.
Get it wrong and your loved ones could end up with a lot less than they should have, or be left fighting over your assets. Get it right and you can arrange the transfer of your assets with a smooth transition. We work closely with your lawyer and accountant to plan for your needs.
What if your business lost the services of a key person? Who will take over or buy your business and how can you get the most for it if you sell? These are all questions that need to be answered with a comprehensive plan based on expert advice and commercial experience.
Risk management, and in particular personal insurances, are a vital ingredient of any comprehensive financial plan.
Life Insurance pays a lump sum to your dependents if you die. It is designed to provide you with the reassurance that your loved ones will be looked after financially if you're no longer there to provide.
The amount of money paid out depends on the level of cover you buy. You cannot rely on the government to take care of your family. If you want to provide for your family financially if you die, life insurance is a must.
life cover is a form of insurance that will provide you with a one-off payment in the event that you become totally and permanently disabled from a serious illness or injury that leaves you unlikely to ever return to work at your normal capacity ever again. The lump sum insurance payment is often used to eliminate debts, pay for medical expenses or fund any permanent lifestyle changes resulting from disablement.
20% of mortgage defaults are due to "illness or accident in household" and every year thousands will find themselves unable to work due to injury or serious illness.
Income protection cover will ensure you can still manage financially if you were put out of work for a period of time by replacing up to 75% of your income until you can start working again, until you retire, die or the end of your policy term — whichever is sooner.
Critical illness insurance will pay out a lump sum if you get one of the specific medical conditions or injuries listed within the policy. Examples of critical illnesses that might be covered include heart attack, stroke, certain types and stages of cancer and a range of other conditions. Unlike health insurance, you can decide how you'll use the payout from your critical illness insurance.
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