Personal Cover -

Protecting Your Lifestyle

Many times, life insurance is seen as a grudge purchase, and its importance is only fully realised when a claim is made. At that point, the peace of mind that comes from receiving the benefit of a well‑considered decision and monthly commitment becomes invaluable.

The main areas we need to protect against are:

Dying too soon
Disability
Severe illness
Retirement
Outliving retirement contingencies

Proper personal cover ensures that your lifestyle and financial security are protected at every stage of life.

Life Cover

When considering life cover, we focus on protecting your assets and, most importantly, ensuring that your children’s education is taken care of and that your spouse has the means to provide for the family.

Life cover provides financial certainty when it is needed most.

Disability Cover

Disability can generally be categorised into temporary and permanent disability.

Temporary disability refers to a condition from which you are expected to recover and resume normal daily activities.
Permanent disability refers to an event that permanently changes your daily activities, ranging from minor to total disability.

In these cases, financial support is provided through income protection, lump sum benefits, or a combination of both.

Lump Sum Disability

Lump sum disability provides a once‑off payment in the event of disability and is often used in conjunction with income protection.

This lump sum can be used to:

Invest with a monthly withdrawal strategy
Modify property, offices, or vehicles for easier access
Cover immediate financial needs resulting from disability

Income Protection

Income protection provides a monthly income if you are unable to work due to disability or illness. The benefit is paid according to the terms of your policy, up to a predetermined age.

This ensures continuity of income when it matters most.

Severe Illness Cover

Receiving a diagnosis of a life‑changing illness can be overwhelming. Severe illness cover provides financial support during this time, allowing you to focus on recovery.

This cover can assist with:

Medical expenses
Income replacement when unable to work
Taking time to rest and recover

It can even allow you the freedom to step back, recover properly, and perhaps tick off a few bucket‑list dreams.

Frail Care

Most of us plan for retirement with the hope of remaining healthy and enjoying life with our spouse. However, frail care is often overlooked during retirement planning.

Once retired, the need for frail care can place significant strain on retirement funds. Suddenly, there are effectively two households to fund, when planning was done for only one.

Frail care cover helps protect your retirement savings from this unexpected financial burden.