Insurance is an important element of Financial Risk Management of Individuals and businesses. We provide advice on effective insurance products that suit your insurance needs. We will formulate insurance strategies appropriate to your situation, do a cost benefits analysis and then recommend only the best insurance products suit your needs.

Our Insurance Consultants can help you to find the best insurance products that may suit your business and personal insurance needs. They work closely with your tax, wealth and financial consultants to ensure that a coordinated and holistic approach has been established to provide you the best insurance solution. Products that we recommend include:

Income Protection Insurance

Income protection insurance provides a monthly income to replace lost income if a person unable to work due to injury or sickness. Generally it provides you a monthly benefit of up to 75 per cent of your salary, if you are unable to work due to due to a serious sickness, injury or accident. This will help you maintain a reasonable standard of living, while you are unable to continue earning your regular income. Our insurance consultants can closely work with you to establish/design effective income protection insurance suit your situation.

Life Insurance

Life insurance provides a lump sum payment in the event of death. It will help to ease the financial burden that may be left for your family after your death. Usually paid as lump sum, your dependants can use this money to clear debt on family home, medical costs, funeral expenses or help secure their future.

Trauma Insurance

Trauma insurance provides a lump sum payment if a person is totally and permanently disabled. Generally this insurance provides a lump sum if you are diagnosed with one of many defined medical conditions such as cancer, stroke and heart diseases.

Total and Permanent Disablement Insurance

Total and Permanent Disablement Insurance provides a lump sum payment in the event of a permanent disability that prevents you from returning to work. You can use this money to cover your debts, ongoing medical expenses and modifications to a home.

Business expense insurance
Business expense insurance provides a monthly benefit to assist with the day to day operation of a business if you are totally or partially disabled and unable to work.