Risk Cover


Even the most optimistic people know that unforeseen disasters can strike at any moment. Ensuring you’re prepared for life’s unexpected eventualities means that you have peace of mind regarding the financial security of your family, no matter what happens to you.

Taking out risk insurance gives you a safety net when things do go wrong, enabling you to provide on-going financial stability for your family.

Guard against such pitfalls through our independent advice and informed assessments that will determine the right amount of cover to suit your age, income, lifestyle, and family composition.

Life Cover


A cash lump sum if you die or are diagnosed with terminal illness

Nobody thinks of their mortality. Yes, you never know what life has in store, but you do want to know that your family is financially protected should something happen to you.

Life Cover will provide financial support when your family needs it most. It will pay out a cash lump sum if you’re diagnosed with a terminal illness, or if you die during the term of the policy.

Our partnership with global leading insurance companies, ensures that you and your family will have financial assistance in order to deal with the reality of such a life-changing event.

Due to our independence, we are able to provide you with a customised risk solution, that ensures you have the right cover to suit your individual needs.

Significant benefits

  • Cash lump sum pay out
  • Provides income for dependents and beneficiaries
  • Pays funeral expenses
  • Create an inheritance for your heirs
  • Pay estate taxes

Critical Illness


A cash lump sum pay-out

With advances in medical care, more people are surviving critical illnesses that were once considered fatal. Unfortunately, although it is possible to live a relatively normal life after surviving a critical illness, you may no longer enjoy the same mobility or good health.

Critical Illness pays out a cash lump sum if you are diagnosed with one of the specified medical conditions or injuries listed in the policy, which you can use to pay off a mortgage, reduce debt, or to pay for home nursing care.

Examples of critical illnesses that are covered include:

  • Heart attack
  • Stroke
  • Certain types and stages of cancer
  • Eye and ear disorders
  • Conditions such as multiple sclerosis

Significant benefits

  • Cash lump sum pay-out
  • Reduces your financial burden
  • Maintains your independence
  • Assists in your recovery any way you choose

Income Protection


Helps you if you can’t work because you are ill

Your most valuable asset is your ability to earn an income during your working life. But, have you ever stopped to think about what would happen if you couldn't work because you were ill or disabled?

Your income enables you to maintain your lifestyle - from everyday expenses that cover the home you live in to providing for your family with food, healthcare and education.

Income Protection can also ensure that your retirement planning is not affected and that your emergency savings are not eroded.

Significant benefits

  • Replaces part of your income
  • Pays out until you can start working again
  • Covers most illnesses that leave you unable to work
  • You can claim as many times as you need to - while the policy lasts