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Personal Insurance

Personal Risk Management means different things to different people. Our job is to create an individualized programme tailor-made to you and your specific situation.

Our process involves a detailed questionnaire to establish your current position and areas that you may be at risk financially. This allows us to make recommendations which you can then modify in line with your priorities and requirements. Once your insurance programme is in place, together we will review them regularly to ensure that they still meet your evolving needs.

Reasons for insurance include:

  • Debt & Mortgages
  • Children’s education
  • Dependent family members
  • Continuing income upon disablement
  • Trauma recovery
  • Major health problems/specialist expenses
  • Family lifestyles
  • Bequests

Product Solutions for Personal Risk Management are:

Life Cover
Provides a payment in the event of death, or on maturity of a permanent policy. Terminal Insurance provisions may allow for a payment prior to death.

Trauma
Provides a payment if you suffer from one of many specified critical conditions. These include heart attack, stroke and most cancers.

Income Protection
Provides regular (weekly or monthly) payment if you are unable to work because of sickness or injury.

Total Permanent Disablement
Provides a lump sum payment if you are totally and permanently disabled (as defined in policy wordings) by sickness or injury.

Womens Insurance
Female specific critical conditions coverage

Whole of Life/ Endowment Policies
Traditional or Permanent policies that incorporate Life Cover as well as accumulation within one policy

Permanent Term
Guaranteed sum assured, Guaranteed rates, Guaranteed return of premiums.

Family Protection
Provides for a monthly income to be paid to your family, after death, rather than a lump sum payment.

Accidental Death
Pays a lump sum if death is a result of an accident.

Health
Covers up to 100% of your hospital costs, normally including Specialist & Tests coverages.

Waiver of Premium
Pays the premium when you are unable to work due to total disability.

Contact us today about the insurance cover that is most suited to your personal needs.