The impact of the premature death or disability of a breadwinner can be devastating to your family’s current and future standard of living, as well as to your family’s goals and objectives.

The impact may also be devastating to business partners and the associated business, resulting from the loss of a key member’s abilities; and the pressure on business partners and the business to settle any claims from the incapacitated partner / the deceased’s estate.

Our recommendations are motivated by the desire and need for you to manage personal risk, addressing potential loss of earned income - resulting from your premature death, or a temporary or permanent incapacity affecting your ability to earn an income.

Life, Total and Permanent Disability, Critical Illness and Income Protection insurances are the means by which these risks can be managed and form a key component to a sustainable wealth protection strategy.