Business Needs

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Group Benefits

Group benefits are a great way of showing your most important resource, your employees, that you value them. Putting these benefits in place is a great way of attracting and retaining top level talent.

Group benefits consist of three main components:

• Risk benefits (group life assurance)
• Medical aid schemes
• Retirement benefits (pension or provident funds)

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Business Assurance

Having the correct cover in place is crucial to ensuring that businesses are not affected by tragic events to shareholders or key employees. These events can have a major impact on business operations and cashflow.

Buy-and-Sell Agreements

This allows for the seamless transfer of ownership, if one of the shareholders pass away or becomes permanently disabled. This allows the partner affected, or their loved ones, to realise the value of their shareholding, seamlessly. It also protects the surviving business partner’s interests in the company.

Key Person Cover

This protects the company in the result of a key person being unable to fulfil their occupational duties. When this happens, it would usually have an impact on the company’s earnings and/or operations. The payout from key person cover would reduce this impact and afford the company crucial time in finding a replacement.

Contingent Liability

Businesses often require financing for growth opportunities and expansion. When applying for this financing, banks or other lenders may require the business owner/s to provide personal surety for the loan. Business owners can protect themselves and the business by taking out contingent liability cover. This cover ensures that if they were to pass away (or become disabled), the loan would be settled.

Our Investment Beliefs

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We serve people who want world class financial solutions, specific to their goals, by providing a working plan to grow their financial context, and guide them throughout their journey to ensure its success.

Allow us to assist you in charting the course to your wealth destination.