Our Insurers

Have you ever thought what would happen to your loved ones If you weren't around, especially if they are dependent on you for financial support? We all know life is full of unexpected surprises. The death of a loved one can put enormous strains, emotional and financial, on a family. Now is the time to consider life insurance,

Why is it important?

Life Insurance covers the insured person and pays a lump sum upon their death. This provides protection to your loved ones and will assist in paying off any outstanding debts such as a mortgage on your home or investments. There should also be enough to provide your family enough funds to continue their lives without financial difficulty.

Without any funds, your partner and family may be required to sell their home, sell their investments, shift schools and be forced to work two jobs. This is very easy to avoid through appropriate Life insurance.

How does it work?

Life insurance (also known as Death Cover or Term Insurance) insurance pays the sum insured amount as a lump sum upon the Insured’s death. This amount is usually paid to their estate, policy owner or spouse.
Saving you money! Some policies provide extra benefits, such as terminal illness benefit (at no extra cost), where if you are diagnosed with a terminal illness the amount insured is paid out. We will only quote on the policies that provide this.

How much is enough?

There can be many elements to working out this figure, depending on personal circumstances, but some major factors to consider are:

How much would it cost to clear all debt (mortgages, personal loans etc)?

Do you have enough money to cover funeral and other unexpected expeneses at time of death?

What future costs do you anticipate (children's school or university fees, retirement funds)?

What amount of capital would your family need to have enough money to reasonably maintain their lifestyle and for how long?

When was the last time you considered your family's needs?

Don't put it off any longer, For further information click here .