Since our inception in 1990 life insurance has been our passion and the sole reason we exist. Over time, there have been numerous changes and these changes will continue but our commitment to you remains the same. We provide more than just a policy. Our expertise is in designing and putting in place an insurance program to not only meet your immediate needs, but to also be flexible enough for the changes that will happen and continue to happen in your life.
"Insurance is simply about having the right amount of money at the right time"
There is a lot of information out there about life insurance, but you don't need to understand all of it to get started. The premise is simple: Life Insurance gives you peace of mind while you are alive, and financial support to your loved ones when you are gone.
There are other forms of insurance that protect you and your family if you don't die.
Life insurance can make a huge difference for you and your family, not only financially and emotionally as well.
Life insurance is an agreement between your and the life insurance company. You make regular payments called premiums and the insurance company pays a lump sum benefit to your beneficiary in the event of your untimely death. This is usually tax-free but can be taxable under certain circumstances. Other forms of benefits are generally tax free as well depending on their structure.
Most likely yes. Especially if someone depends on you for financial support.
When you're starting a family, you probably want to have enough to clear any debts and replace your income, so your spouse or partner and children have the support they need. Once again, as you move through various stages of life, we will be there for you to ensure that your insurance program you have put in place continues to meet your life's needs.
For just cents on the dollar, life insurance can provide financial protection that is hard to match in any other way. This benefit will allow families and even businesses to more easily cope with the financial challenges that often result be it from a premature death, a major trauma, total & permanent disability or the loss of an income stream.
People purchase life insurance for peace of mind making sure that their loved ones will be taken care of if anything happens to them.
In general, you need to figure out how much insurance you need to clear your financial commitments or obligations. This can be your home loan or other personal and/or business debts. We can use our expertise in this area to assist by way of a financial needs analysis.
We determine with you the most cost and tax-effective way to structure a policy be it for personal or business needs.
Dependant on your needs, we can offer additional services by way of referrals to our financial partner's covering:
- Full wealth creation Financial Planning
- Estate Planning
- Accounting
- General Insurance
- Mortgage Brokering
We'd love to chat to you. So, go ahead and give us a call and we will show you how simple can be.
