{"id":87,"date":"2023-09-29T09:54:30","date_gmt":"2023-09-29T09:54:30","guid":{"rendered":"https:\/\/billfin.co.za\/?page_id=87"},"modified":"2023-10-04T08:13:45","modified_gmt":"2023-10-04T08:13:45","slug":"our-services","status":"publish","type":"page","link":"https:\/\/billfin.co.za\/index.php\/our-services\/","title":{"rendered":"OUR SERVICES"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Actor|700|||||||&#8221; header_text_color=&#8221;#8a0002&#8243; header_font_size=&#8221;35px&#8221; body_font=&#8221;Noto Sans||||||||&#8221; body_text_color=&#8221;#333333&#8243; height=&#8221;550px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;25px&#8221; sticky_enabled=&#8221;0&#8243; header_font_size_phone=&#8221;20px&#8221;][et_pb_slide heading=&#8221;OUR SERVICES&#8221; allow_player_pause=&#8221;on&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(255,255,255,0.7) 0%|rgba(255,255,255,0.71) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/billfin.co.za\/wp-content\/uploads\/2023\/09\/BillFin-Services-Image.jpg&#8221; background_enable_image=&#8221;on&#8221; background_enable_video_mp4=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p><span>We offer the following services with the highest professionalism with only the needs of the client in mind.<\/span><\/p>\n<p>[\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; module_id=&#8221;INDIVIDUALSOLUTIONS&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Actor|700|||||||&#8221; header_2_text_color=&#8221;#8a0002&#8243; header_2_font_size=&#8221;25px&#8221; header_4_font=&#8221;Actor|700|||||||&#8221; header_4_text_color=&#8221;#8a0002&#8243; header_4_font_size=&#8221;19px&#8221; custom_margin=&#8221;||15px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_4_font_size_last_edited=&#8221;on|tablet&#8221; sticky_enabled=&#8221;0&#8243; header_4_font_size_tablet=&#8221;19px&#8221; header_4_font_size_phone=&#8221;19px&#8221;]<\/p>\n<h4 style=\"text-align: left;\">Services<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Noto Sans||||||||&#8221; text_text_color=&#8221;#333333&#8243; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #333333;\"><a href=\"#INDIVIDUALSOLUTIONS\" style=\"color: #333333;\">For Individuals<\/a><\/span><br \/><span style=\"color: #333333;\"><a href=\"#BUSINESSSOLUTIONS\" style=\"color: #333333;\">For Businesses<\/a><\/span><br \/><span style=\"color: #333333;\"><a href=\"#EMPLOYEEBENEFITSOLUTIONS\" style=\"color: #333333;\">Employee Benefit Solutions<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Actor|700|||||||&#8221; header_2_text_color=&#8221;#8a0002&#8243; header_2_font_size=&#8221;25px&#8221; header_4_font=&#8221;Actor|700|||||||&#8221; header_4_text_color=&#8221;#8a0002&#8243; header_4_font_size=&#8221;19px&#8221; custom_margin=&#8221;||15px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; sticky_enabled=&#8221;0&#8243; header_2_font_size_phone=&#8221;20px&#8221; header_2_font_size_tablet=&#8221;20px&#8221;]<\/p>\n<h2 style=\"text-align: left;\">INDIVIDUAL SOLUTIONS<\/h2>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Life Cover&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We offer a full range of products for all your life assurance needs.\u00a0 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.\u00a0 This benefit provides cover for your family or dependents where your whole contribution goes towards covering the risk of your death.\u00a0 There is no investment portion which means that your full death benefit will be paid out directly to your beneficiaries when you die.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Disability Cover&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Ask yourself\u2026<\/span><\/p>\n<ul>\n<li><span>What if you were disabled in an accident or due to an illness?<\/span><\/li>\n<li><span>Will your dependents have sufficient funds to meet their daily and future needs?<\/span><\/li>\n<li><span>What if your career was suddenly interrupted by long-term injury or illness?<\/span><\/li>\n<li><span>How will you continue to accumulate sufficient capital to provide for retirement?<\/span><\/li>\n<\/ul>\n<div><span>Your ability to earn a future income is your greatest asset. It makes your lifestyle possible, along with all the special moments in it.<\/span><\/div>\n<div><span>An insurance product that provides supplementary income in the event of an illness or accident resulting in a disability\u00a0that prevents the insured from working at their regular employment.<\/span><\/div>\n<div><span>\u00a0<\/span><\/div>\n<div><span><span class=\"ms-rteCustom-LibertyPageContentSub2\"><strong>Before retirement:<\/strong> \u00a0<\/span><\/span><span>While you are still working you need protection against the risk that you will not be able to work and earn an income due to permanent disability or impairment. Should you become disabled or impaired Liberty\u2019s Whole of Life disability benefits will provide you with a lump sum payout to help you cover your loss of earnings.<\/span><\/div>\n<div><span><span class=\"ms-rteCustom-LibertyPageContentSub2\"><\/span><\/span><\/div>\n<div><span><span class=\"ms-rteCustom-LibertyPageContentSub2\"><strong>After retirement:<\/strong> \u00a0<\/span><\/span><span>Your retirement income may be enough to provide for a fit and healthy person, but will it be enough to cover additional expenses such as a nurse or caregiver should your health drastically deteriorate?\u00a0\u00a0<\/span><span><\/span><span>If you become impaired after retirement, you won\u2019t lose your income, but you\u2019ll need additional money to help you cope with your impairment. The Whole of Life disability benefits transform to meet your post-retirement income needs by providing you with a monthly income that <strong>increases with inflation<\/strong>\u00a0for the rest of your life, should you suffer impairment after retirement.<\/span><\/div>\n<div><\/div>\n<div><span>Lump Sum Disability \u2013 A\u00a0cash payout that enables you to settle your debts immediately and make lifestyle adjustments to ease the effect of your disability.\u00a0<\/span><\/div>\n<div><\/div>\n<p><span>Income Disability \u2013 Provides\u00a0monthly income cover against disability and illness, which may temporarily or permanently prevent you from being able to earn an income.<\/span><\/p>\n<p><strong><span class=\"ms-rteCustom-LibertyPageContentSub2\">Receive a monthly income<\/span><\/strong><\/p>\n<p><span>Should you become impaired you will receive a monthly income that will be\u00a0<strong>calculated as a percentage of the insured amount<\/strong>. This percentage will be determined by the severity of the condition.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Dread Disease&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>This benefit aims to protect you against a critical illness leaving you in dire financial circumstances.\u00a0 The benefit provides a cash lump sum payout if you are diagnosed with one of the specified critical illnesses.\u00a0 The payout you receive is based on the severity of the condition suffered.<\/p>\n<p>Heart Attack, Cancer, Stroke, Coma, HIV \/ Aids, and many more.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Healthcare&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Looking for the RIGHT cover?<\/p>\n<p>We provide organized provision of medical care to individuals.<\/p>\n<p>Let us assist you with choosing the correct choice specific to your needs.<\/p>\n<p>Our healthcare specialist will give you individual attention and guide you with your decision.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Retirement Planning&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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.\u00a0 The non-financial aspects include such lifestyle choices as how to spend time in retirement, where to live, when to completely quit working, etc.<\/p>\n<p>Retirement is a golden time in your life.\u00a0 After years of hard work it is finally time to relax and enjoy the people around you.\u00a0 We have many solutions available and will guide you through to your Retirement objectives.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Investments&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>We have been managing money for more than two decades.\u00a0 Everyone has different needs, risk tolerances, and objectives.\u00a0 Let us help you identify the correct fund allocation and investment vehicle.\u00a0 No upfront fees!!<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Short-term Insurance&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>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.\u00a0 The reason why these policies are classified as short-term insurance is because your insurance needs in this regard will change over time.\u00a0 Unlike life insurance, short-term insurance is taken out only for the period that you have need of it.\u00a0 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.\u00a0 Our short-term service provider will take care of all your insurance needs \u2013<\/span><strong><span>\u00a0<\/span><span style=\"color: #8a0002;\"><a href=\"https:\/\/www.coreib.co.za\/\" target=\"_blank\" rel=\"noopener\" style=\"color: #8a0002;\">www.coreib.co.za<\/a><\/span><\/strong><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; module_id=&#8221;BUSINESSSOLUTIONS&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Actor|700|||||||&#8221; header_2_text_color=&#8221;#8a0002&#8243; header_2_font_size=&#8221;25px&#8221; header_4_font=&#8221;Actor|700|||||||&#8221; header_4_text_color=&#8221;#8a0002&#8243; header_4_font_size=&#8221;19px&#8221; custom_margin=&#8221;||15px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;20px&#8221; sticky_enabled=&#8221;0&#8243; header_2_font_size_phone=&#8221;20px&#8221;]<\/p>\n<h2 style=\"text-align: left;\">BUSINESS SOLUTIONS<\/h2>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Buy and Sell Agreements&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>An arrangement made to allow the continuation of a partnership or a close corporation after the death of one of the owners.\u00a0 The agreement sets the price at which the sale will be made.\u00a0 It also forces the owners to sell and the buyers to buy the property at this price.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Key man Insurance&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>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.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Contingent Liability&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Contingent Liability Insurance helps cover a business owner if they\u2019re held liable for bodily injury, property damage, or personal injury caused by another party the business owner is in contractual relations with.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Future Liability&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Planning for future expenses is vital for the running of a successful business.\u00a0 Often the business does not have the cash or immediate liquidity at its disposal to meet these expenses.\u00a0 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.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Investments&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>We have been managing money for more than two decades.\u00a0 Everyone has different needs, risk tolerances, and objectives.\u00a0 Let us help you identify the correct fund allocation and investment vehicle.\u00a0 No upfront fees!!<\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_5,3_5&#8243; module_id=&#8221;EMPLOYEEBENEFITSOLUTIONS&#8221; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Actor|700|||||||&#8221; header_2_text_color=&#8221;#8a0002&#8243; header_2_font_size=&#8221;25px&#8221; header_4_font=&#8221;Actor|700|||||||&#8221; header_4_text_color=&#8221;#8a0002&#8243; header_4_font_size=&#8221;19px&#8221; custom_margin=&#8221;||15px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; sticky_enabled=&#8221;0&#8243; header_2_font_size_tablet=&#8221;20px&#8221; header_2_font_size_phone=&#8221;20px&#8221;]<\/p>\n<h2 style=\"text-align: left;\">EMPLOYEE BENEFIT SOLUTIONS<\/h2>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Pension &#038; Provident Funds&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>We offer a full range of products for all your life assurance needs.\u00a0 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.\u00a0 This benefit provides cover for your family or dependents where your whole contribution goes towards covering the risk of your death.\u00a0 There is no investment portion which means that your full death benefit will be paid out directly to your beneficiaries when you die.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Risk&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; hover_enabled=&#8221;0&#8243; border_radii=&#8221;on|5px|5px|5px|5px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span>Group risk benefits such as group life insurance, group income protection, and group critical illness are the backbone of many staff benefits packages.\u00a0 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.\u00a0 They also insure employees in the event of long-term illness or death.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Medical Schemes&#8221; open_toggle_text_color=&#8221;#333333&#8243; open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_color=&#8221;#8a0002&#8243; open_icon_color=&#8221;#8a0002&#8243; _builder_version=&#8221;4.22.1&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#333333&#8243; title_font=&#8221;Actor|700|||||||&#8221; body_font=&#8221;Noto Sans||||||||&#8221; 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