Life / Disability / Investments / Short Term / Medical Aid / Gap cover
Each provider of long term insurance offers niche benefits that is only available via their products, benefits have evolved over the years so make sure you have the best up to date offering. I will ensure you get the right cover for your particular circumstances.
Be prepared for that rainy day, UNIT TRUSTs are ideal as they provide flexibility - ENDOWMENTS are great for long term Goals like Education and Purchasing property - TAX FREE INVESTMENTS- are essential and every person should have one of these, no tax on growth and no tax on withdrawal... LUMP SUM INVESTMENTS- offer you the best rates with guaranteed return and options to pay no upfront fees, this means 100% allocation on day one. Talk to me about your options.
Start today, be prepared for retirement, the younger you start the greater the returns, people are living longer which means you need more money for your retirement.
Are you on the right option? Do you understand how your plan works? How do you choose a medical aid or hospital plan, a specific option of the scheme, which benefits to include or exclude? In this ever-changing environment, you need the services and advice of an independent intermediary. I will find you the right medical aid to ensure your needs are met.
Gap cover has become a necessity as there are no legal laws against providers charging above scheme rates. Most plans have procedures which have co-payments and up-front payments. Gao cover is not expensive so make sure yours is in place.
Short Term Cover - Personal and Commercial Lines
I will offer you multiple quotes on Business, motor, householders and house owners Insurance guaranteeing you the most affordable option with the best cover . When buying car insurance, you want to ensure that you get the best cover for your needs at the most affordable rate available. Almost 66% of all vehicles on our roads are not insured! Therefore, even if you are the most careful driver and are involved in an accident, chances are good that the other vehicle is not insured. This will leave you to foot the bill in order to repair damages to your car. Alternatively you'd have to take legal action against the 3rd party and hope they can pay, if you win the case.
As an independent advisor I am able to compare benefits and premiums with various providers thus offering my clients the most competitive cover. I am licenced on all products, offering a client holistic cover with a single Advisor.