our services, What we do
Risk - Are you covered?
We are exposed to risk every day. Covering everything is not always possible and frankly, not always affordable. We need to assess the risks and calculate what is acceptable and what is not. In planning your strategy you need to know that the underlying documents are going to stand up to scrutiny. When claims occur we need to be certain that they will be paid.
Medical - Is there a good fit?
We understand that everyone is different. With so many factors to influence us, health, genetics, age and pre existing conditions to name a few. Affordability is also a factor. Within the market there are a multitude of offerings, from Medical Insurance to fully comprehensive medical aids with no limits. To complicate it further the role of administrator can be a deal breaker! Talk to us for guidance and help in making the right choice for you..
Wealth - Building or preserving?
A wise man once said, "If you don't die, you will reach retirement". -D Fletcher.
Getting to your end point successfully is determined by your skillful planning and execution. It involves clear vision, commitment and knowledge. We are able to provide the expertise, choice of product, duration and strategy required to weather storms and negotiate hazards.
Life and Disability?
We all die. A lot of us will have some form of disability. A short term temporary disability from which we recover, or an unfortunate one with no recovery.
Through our life stages our requirements will change. Having a choice of different options is important. Having skilled specialists to help you stay on top of these changes is critical if you want to avoid financial catastrophe.
Your Will - Are you covered?
We are exposed to risk every day. Covering everything is not always possible and frankly, not always affordable. We need to assess the risks and calculate what is acceptable and what is not. In planning your strategy you need to know that the underlying documents are going to stand up to scrutiny. When claims occur we need to be certain that they will be paid.
Seek - Understand - Assess - Execute
We follow the 6 step process.
Step 1: Establishing and defining a professional relationship
Step 2: Gathering data, including goals
Step 3: Analysing and evaluating your financial status
Step 4: Developing and presenting financial planning recommendations and alternatives
Step 5: Implementing the financial planning recommendations
Step 6: Monitoring the financial planning recommendations
Services - Administration
Servicing and monitoring
Alterations and updating requests and changes. Maintaining Service Level Agreement’s.
Filing and compliance
Record keeping. Security and back ups. Compliance procedures and best practices.
Communication and follow up
Phone, email and text communication on all important data and information. Diary and consultation management.
Filing complaints - disputes
Helping with any complaints with regard to suppliers. Assisting if escalation to relevant Ombud is necessary.
claims
Lodging claims, arranging assesors and repair or replacement.
Last will and testament
Facilitation of all instruction and drafting of Wills and Trusts. Safekeeping of documents and Deeds.
Short Term Risk Underwriting
Insurance - Business Risk
What is short term insurance? … Amongst others this includes vehicle, property, household, medical, 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.
Life & Disability - Risk
Income Protection and Capital Disability
Disability insurance replaces a portion of employee income when they can’t work because of an illness or disability. … Instead, disability insurance provides wage replacement benefits that cover, on average, up to 60% of employee earnings. Those payments usually go up to a cap, or a maximum monthly payout
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Life Assurance
Family Protection
Life assurance and life insurance can both provide valuable peace of mind that your loved ones will receive a lump sum in the event of your death. … The main difference between life assurance and life insurance is that life insurance covers you for a set term, whereas life assurance covers you for your whole life.
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Assurance - Dread disease
Insurance
Financial protection against severe illness. … The Severe Illness Benefit is available when you get life insurance from Discovery. It pays out a lump sum in the case of certain severe illnesses. This money can be used to provide for needs such as modifying your lifestyle and your home or to cover the cost of a care-giver ..
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Insurance - Business Risk
How much should you save every month? Many sources recommend saving 20 percent of your income every month. According to the popular 50/30/20 rule, you should reserve 50 percent of your budget for essentials like rent and food, 30 percent for discretionary spending, and at least 20 percent for savings.
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Wealth - preserving it
Insurance - Business Risk
- Diversify, diversify, diversify. …
- Take advice when you need it. …
- Clarify your attitude to risk. …
- Rebalance, but only when necessary. …
- Invest regularly. …
- Do not ignore safe havens. …
- Keep some cash to hand. …
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Wealth - Enjoying it
Retirement Plan
There are two main products that can provide you with an income from your retirement savings. The first is an insurance-type product called a guaranteed annuity and the second is an investment-type product called a living annuity..
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Medical - comprehensive, hospital, accident?
Insurance - Business Risk
Medical schemes pay for many other healthcare needs such as nursing, surgery, dental work, medicine, physiotherapy and eye-care. Medical scheme membership protects members financially if they suddenly have to pay large, unexpected medical costs
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when do you start?
arrange a consultation.
We can set up automated appointments for scheduling that clients can set up here. We can disuss the options.