It's best to plan for Personal Insurance is to ensure there is sufficient cash or income available in the event of premature death, illness or disability to provide you and your family with the continued lifestyle and opportunities that would normally have been available.


Life Cover

Life cover provides a lump sum payment upon the death of the insured person.

It is essential for individuals with family, business or other financial commitments that could be placed in jeopardy in the event of their death.

Have you considered the financial strain on your dependants should they be left to support themselves? Will they be able to maintain their current lifestyle and still afford:

  • Funeral costs

  • Estate services

  • Counselling costs

  • Child care

  • Children’s school fees both now and in the future

  • Daily living expenses

  • Hire purchase payments

  • Mortgage repayments

  • Existing debts

  • Business debts and running costs

“Life Insurance is a financial product. Life insurance permits you to transfer the responsibility of fulfilling certain financial obligations that are too big for you too handle to someone else who can guarantee completion. As an Advisor I can negotiate the transfer.”


Accident or illness Cover

Have you considered the financial strain you may be faced with if you are unable to work for an extended period? Will you be able to maintain your current lifestyle and still afford:

  • Medical expenses

  • Daily living expenses Insurance premiums such as house, contents or your life cover Hire purchase payments

  • A planned holiday

  • Mortgage repayments

  • Existing debts

  • Business debts and running costs

  • Counselling costs

  • Child care

  • Children's school fees both now and in the future

  • Retirement fund

There are products designed to alleviate your financial concerns should you suffer an illness or accident that prevents you from working. Cover for accident or illness provides valuable assistance for your recovery by providing the ability to make effective rehabilitation plans.

You can choose to receive funds either monthly or as a lump sum payment. The cover you put in place today will provide you with long term peace of mind – if you suffer an illness or injury, you will have income when you need it most.


Personal Health Plans

Health Insurance helps protect you against the more costly expenses of private hospitalisation and surgery, which can have a big financial impact.

Following are the types of costs covered under Health Insurance:

  • Surgical costs including surgeon's fees and anaesthetist fees

  • Hospital charges in relation to confinements required for medical illness or surgery

  • Specialist Visits

  • Diagnostic Tests

  • GP visits

We usually recommend visits to your GP, are funded by you, and the more unpredictable and significant costs, such as surgery and hospital confinement, are taken care of under your insurance cover. 





Financial Lifestyle today regarding your Personal Insurance to lay the foundation of your future insurance requirements.


Questions? Visit our FAQ page