We understand the importance of protecting yourself and your loved ones from unexpected events. That's why we offer a range of insurance services to fit your unique needs and financial situation. Let us help you find the right insurance coverage to give you peace of mind and security for the future.
There are several reasons why you should have life assurance. Here are some of the key reasons:
- Financial Protection: Life assurance provides financial protection for your loved ones in the event of your unexpected death. It can help cover any outstanding debts or financial obligations you may have, such as mortgage payments or other loans.
- Peace of Mind: Having life assurance can give you and your family peace of mind knowing that they will be financially secure if something were to happen to you.
- Estate Planning: Life assurance can be an important part of your estate planning, allowing you to leave a financial legacy for your loved ones.
- Affordable: Life assurance can be relatively affordable, depending on the level of coverage you choose and your age and health status.
5. Tax Benefits: Life assurance may offer tax benefits, such as tax-free proceeds for your beneficiaries, depending on the policy and your location.
6.Protection for Business Owners: Life assurance can be particularly important for business owners, providing a way to protect the business in the event of their death and ensuring that key employees are taken care of.
In summary, life assurance provides financial protection, peace of mind, estate planning, affordability, tax benefits, and protection for business owners. It can be an important part of your overall financial planning and can help ensure that your loved ones are taken care of in the event of your unexpected death.
Income protection is a type of insurance that provides financial support to individuals who become unable to work due to an injury or illness. This insurance cover pays out a percentage of the individual’s income, usually up to 75%, to help them cover their regular expenses such as mortgage, rent, bills, and other living expenses. It can also provide additional benefits such as rehabilitation or training to help the individual return to work as quickly as possible. Income protection is an important form of insurance for those who rely on their income to maintain their standard of living and support their families.
Specified Illness Cover
Specified illness cover is a type of insurance policy that provides a lump sum in the event of a specific serious illness or medical condition. This may include illnesses such as cancer, heart attack, stroke, multiple sclerosis or other specified conditions as outlined in the policy. If the policyholder is diagnosed with a covered illness, they receive a lump sum payment from the insurer to help cover medical expenses, loss of income or any other costs associated with their illness. Specified illness cover can be a standalone policy or an add-on to a life insurance policy.
Business Owner Key Man Cover
Business owner key man cover is a type of insurance policy that helps to protect a business from the financial impact of losing a key employee or owner. The policy pays out a lump sum of money to the business in the event that the person covered by the policy dies or is unable to work due to illness or injury for a prolonged period of time. This can help to cover the costs of finding and training a replacement, as well as providing financial stability for the business during a difficult time. The key man cover policy can be taken out on any employee who is considered essential to the smooth running of the business, including owners, directors, managers, and sales people.