Life, health and general insurance products placed through licensed insurance partners, so that protection sits underneath your investments rather than competing with them.
An investment portfolio without an adequate protection base is fragile. A single hospitalisation or the loss of an earning member can force a redemption at precisely the wrong moment. We therefore look at the protection layer — term life cover and health cover — before any long-horizon investment commitment is discussed.
Products that bundle insurance with investment tend to serve neither purpose especially well. Our general position is that pure term cover for protection and separate market-linked instruments for growth give you more cover and more clarity for the same outlay. Where a bundled product genuinely suits your situation, we will say so, and where it does not, we will say that too.
Insurance products are placed through licensed insurance partners and the contract is between you and the insurer. We assist with documentation at the proposal stage and with coordination at the claim stage, but the claim decision rests with the insurance company as per policy terms.
A commonly used starting reference is ten to fifteen times annual income, adjusted for outstanding liabilities and dependants. The final figure should reflect your own obligations.
No. The claim decision rests entirely with the insurance company as per the terms of your policy. We assist with documentation and coordination.
Insurance is a protection instrument. Insurance is the subject matter of solicitation, and bundled products should be evaluated on both their cover and their cost.
Speak with our team and start a goal-linked investment journey with full transparency on costs, risks and process.
