Example Frame
  • COVER MULTIPLE EVENTS
    Multiple suppliers , multiple benefits covering multiple events. Full, Limited or Non-Advice models to match your need & budget. You have the choice to Choose!
    contact-us
  • IS YOUR FAMILY SAFE?
    Will they be financially independant, if you died prematurely? Would they loose their income stream? Would they be exposed to debt they can't service? Life cover will negate these issues!
    Life Cover
  • REDUCE FINANCIAL STRESS
    Life insurance will remove debt for your family if you died from cancer, do the same, if you survive! Cover up to forty-eight events! Trauma cover gives you the choice, to choose!
    Trauma Insurance
  • LIVING IS RISKY!
    Life can change in a Milli-second. Would your Family, your Future, your Retirement plans, your Dreams be at risk if you could never work again? Total and Permanent Disablement will cover this event!
    Total and Permanent Disability Cover
  • WHO PAYS YOU?
    Can you survive without your income? How would your Mortgage/rent be paid? Who will put food on your table? What is the longest holiday you can take before you need to get back to work? Insure the "front door" to your future, your Income!
    Income Protection
  • DO YOU HAVE A CHOICE?
    Can you jump the medical waiting list or will you wait until your condition gets worse, to get better?  Can you fund the newer non-subsidized designer drugs? With Private medical cover, you can choose to get better today!
    Medical Cover
  • PROTECT YOUR CASHFLOW
    "Cash is King" You insure your business plant, machinery and buildings, why not "YOUR KEYPEOPLE"? Revenue leads to profit. Would your profit be impacted if a Key Person died or was disabled? Use revenue contracts to provide cashflow!
     
    Revenue Cover
  • PROTECT YOUR EQUITY!
    Shareholder Equity is a valiuable asset. Protect it, using Shareholder's cover. Could your co-shareholders fund out the value of your equity to your estate, if you died or could never work again?
    Shareholder Cover
  • REWARD YOUR STAFF
    Want to have happy employees and protect your bottom line? For the cost of a cup of coffee a week, you can provide security for staff and protect profit! With Group Insurance, you may cover pre-existing health issues & get wholesale pricing.
    Employees benefits

Business Debt Cover

Eight Suppliers - Multiple Options

"Business Debt is Business Debt" and should be protected seperately from personal debt (albeit the debt may be secured over personal assets).

With Insurance there are a number of issues to be considered:

  • What is the reason for the cover?
  • What is the exposure in dollar terms?
  • What are the events to be covered?
  • Who is to be the life/lives assured?
  • Who will pay the premium?
  • Who will recieve the benefit?
  • What are the tax implications for the premium and the benefit paid?
  • What happens if anything is left over?

There is an arguement that basically says that "if a loan is taken out for business needs (either over personal or business assets) and the lender(s) require that an insurance policy needs to be applied over the life assured to erase the debt if a major trauma event or death happens to the life assured, then the premium paid for this cover may be claimed as a taxable expense without the proceeds being taxed at claim time (conditions apply and financial and tax advice needs to be sort). This is why this policy needs to be seperated out from other issues as the parts of the contract are specific to this contract.