Real situations,
better outcomes.
A look at how the right advice helps families, retirees and business owners protect and grow what matters.
Illustrative examples. These scenarios show the kind of help we provide. Names and details are not real clients.
Life Insurance
cover gap closed
A young family closes a R2.4 million cover gap
Couple in their 30s with two children and a new bond
The challenge
They relied on group cover through one partner’s employer. It would have ended with that job and didn’t cover the new bond.
What we did
A needs analysis showed the shortfall. We combined life, disability and income protection cover across both partners and added education protection for the children.
The outcome
Bond, living costs and school fees are now covered, at a monthly premium that fits the family budget.
Commercial Insurance
back to trading
A small business back trading 10 days after a burglary
Owner-run print shop with four staff
The challenge
Their old policy had no business interruption cover, and the equipment was under-insured by almost half.
What we did
We restructured cover to include correctly valued equipment, stock, and business interruption. When a burglary happened months later, we managed the claim with the insurer.
The outcome
Equipment was replaced and lost income was covered, so the business reopened within 10 days and kept paying its staff.
Retirement & Guaranteed Growth
essentials guaranteed
A retiree secures a predictable monthly income
Recently retired teacher
The challenge
Worried about market swings eating into savings, and unsure how much could be drawn each month.
What we did
We split the savings between a guaranteed annuity for essential expenses and a living annuity for growth and flexibility.
The outcome
Essential monthly costs are guaranteed for life, with a growth portion for extras and inflation.
Health
monthly contribution
A family pays less and gets better health cover
Family of four on a top-tier medical aid plan
The challenge
They were paying for extensive day-to-day benefits they rarely used, but had no gap cover.
What we did
We moved them to a plan that better matched how they actually used healthcare, and added gap cover.
The outcome
Lower monthly contributions, and protection against specialist shortfalls they weren’t covered for before.
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