We offer a full range of products for all your life assurance needs.  Products to cover the risk of dying and the financial impact this event will have on your surviving family, this is the total level of death benefit protection you already have in place, such as the sum insured of any life policies you hold, any policies linked to your mortgage, and benefits your employer might pay.  This benefit provides cover for your family or dependents where your whole contribution goes towards covering the risk of your death.  There is no investment portion which means that your full death benefit will be paid out directly to your beneficiaries when you die.

Ask yourself…

• What if you were disabled in an accident or due to an illness?
• Will your dependents have sufficient funds to meet their daily and future needs?
• What if your career was suddenly interrupted by long-term injury or illness?
• How will you continue to accumulate sufficient capital to provide for retirement?

Income Disability – Provides monthly income cover against disability and illness, which may temporarily or permanently prevent you from being able to earn an income.

Receive a monthly income

Should you become impaired you will receive a monthly income that will be calculated as a percentage of the insured amount. This percentage will be determined by the severity of the condition.

When you are diagnosed with a serious illness, a disease with a significant impact on lifestyle your quality of life can be reduced significantly, and you are likely to incur considerable additional lifestyle adjustment expenses.

Living Lifestyle benefit helps to protect you against these financial risks, and provides you with a cash payout should you suffer one of the specified critical illnesses or trauma events.

This benefit aims to protect you against a critical illness leaving you in dire financial circumstances.  The benefit provides a cash lump sum payout if you are diagnosed with one of the specified critical illnesses.  The payout you receive is based on the severity of the condition suffered.

Heart Attack, Cancer, Stroke, Coma, HIV / Aids, and many more.

Looking for the RIGHT cover?

We provide organized provision of medical care to individuals.

Let us assist you with choosing the correct choice specific to your needs.

Our healthcare specialist will give you individual attention and guide you with your decision.

In the simplest sense, retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.  The non-financial aspects include such lifestyle choices as how to spend time in retirement, where to live, when to completely quit working, etc.

Retirement is a golden time in your life.  After years of hard work it is finally time to relax and enjoy the people around you.  We have many solutions available and will guide you through to your Retirement objectives.

We have been managing money for more than two decades.  Everyone has different needs, risk tolerances, and objectives.  Let us help you identify the correct fund allocation and investment vehicle.  No upfront fees!!

Short-term insurance encompasses all types of insurance policies other than life insurance. Amongst others, this includes vehicle, property, household, personal liability, travel and business insurance.  The reason why these policies are classified as short-term insurance is because your insurance needs in this regard will change over time.  Unlike life insurance, short-term insurance is taken out only for the period that you have need of it.  This insurance option has provided many South Africans with the opportunity to cover the financial risks to their material possessions and those of their loved ones without paying hefty premiums.  Our short-term service provider will take care of all your insurance needs – www.coreib.co.za

An arrangement made to allow the continuation of a partnership or a close corporation after the death of one of the owners.  The agreement sets the price at which the sale will be made.  It also forces the owners to sell and the buyers to buy the property at this price.

Put simply, Key Person Protection (also known as key man insurance or key person insurance) is a business insuring itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a critical illness if chosen, during the length of the policy.

Contingent Liability Insurance helps cover a business owner if they’re held liable for bodily injury, property damage, or personal injury caused by another party the business owner is in contractual relations with.

Planning for future expenses is vital for the running of a successful business.  Often the business does not have the cash or immediate liquidity at its disposal to meet these expenses.  A future liability plan is geared at ensuring that the business pre-funds for these expenses in a systematic manner, through an investment vehicle such as an endowment policy.

We have been managing money for more than two decades.  Everyone has different needs, risk tolerances, and objectives.  Let us help you identify the correct fund allocation and investment vehicle.  No upfront fees!!

We offer a full range of products for all your life assurance needs.  Products to cover the risk of dying and the financial impact this event will have on your surviving family, this is the total level of death benefit protection you already have in place, such as the sum insured of any life policies you hold, any policies linked to your mortgage, and benefits your employer might pay.  This benefit provides cover for your family or dependents where your whole contribution goes towards covering the risk of your death.  There is no investment portion which means that your full death benefit will be paid out directly to your beneficiaries when you die.

Group risk benefits such as group life insurance, group income protection, and group critical illness are the backbone of many staff benefits packages.  They are primarily used to rehabilitate staff who are (or could be) off work on long-term sickness absence due to stress, an accident, or other illness.  They also insure employees in the event of long-term illness or death.

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employee’s family members) as a benefit of working for that company.