Short Term Insurance is devided into two basic categories namely:
* Domestic or personal insurance such as home, motor, all risk etc.
* Commercial insurance which covers a business for all unforseen events. Here we also offer specialised schemes such as engineering, hospitality, ect.
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Life Cover includes Disability, Dread disease, Frail Care, Income Protection
Life Cover provides cash to the beneficiaries in the case of ones untimely death
Disability Cover provides cash in the case of becoming permanently disabled as result of accident or illness
Dread Disease Cover provides cash in case of contracting a major illness sush as heart attack, cancer, ect.
Income Protection Cover supplies an income while one is unable to earn an income as a resulf of illness or injury
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Investments are in the form of monthly contributions or single payments for a future use or an amount to be utilised for retirement, holiday, ect.
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Retirement Planning consist of two stages namely:
* Saving or providing capital for retirement in the future
* Planning ones future at retirement
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Business Insurance provides protection in the case of a shareholder, partner or director's death
Funds must be available to settle the heirs of his estate, cover possible debts or loans in the business
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Employee Benefits are put in place by the employer for the benefit of the employee and covers everything as listed under Life and Disability cover as well as contributing to a retirement fund.
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