Risk Planning

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Protect your human capital

Your greatest asset in life lies within you. This is often referred to as your ‘human capital’, which is the sum total of your abilities from a commercial perspective.

Along the way, life may throw a curve ball or two that would affect your ability to earn. A risk strategy is essential in order to ensure that you are able to maintain your lifestyle, look after loved ones and to protect your family.

Severe Illness cover

This provides cover for major illnesses such as strokes, heart attacks and cancer. It is used to settle debts to relieve financial pressures and stress. It is also used to cover any medical expense shortfalls that may accrue as a result of the illness. Lastly, the payout will provide the funds necessary to pay for certain expensive or experimental treatments overseas (generally not covered by medical aid).

Disability Cover

This cover relates to disabilities that permanently prevent you from doing your nominated occupation again or physical impairment such as a loss of limb, paraplegia or brain injuries. It assists with lifestyle adjustment costs, such as car and home upgrades for wheelchairs & specialised prosthetics or medical devices. Disability cover provides the cash flow necessary to live a relatively normal life and also assists with settling debts.

Income Protection

Income protection ensures that if your ability to deploy your human capital is hampered, you are still able to receive an income to meet your monthly expenses.

  • Permanent disability Income protection will replace your monthly salary (or a portion thereof) if you are unable to perform your occupation indefinitely
  • Temporary income protection is vital in ensuring that your monthly expense obligations are met, in the event that you are temporarily unable to perform your occupation
Life Cover

This will provide financial security to your loved ones in the event of you passing away. It will also ensure that your debt obligations are met and not left behind for your family. Upon death, there may be funeral and estate late costs such as estate duties and executor fees, this cover can also be used to cover those costs.

Our Investment Beliefs

Our clients are
the wind in our sails.

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.