INSURANCE

• Life insurance – Life insurance is also known as Term Life insurance, or Death cover. It provides a lump sum payment if the Life Insured dies or is diagnosed with a Terminal Illness where death is likely to occur within 12 to 24 months. The insurance claim can help the surviving family member/s with mortgage payments, funeral costs, school fees and other costs involved with running the household and family.
• Trauma Insurance – Trauma insurance, also called ‘critical illness’ or ‘recovery insurance’ pays a lump sum amount if you suffer a critical illness or serious injury. Such illnesses includes cancer, a heart condition, major head injury or stroke.
• Income Protection Insurance – Income protection insurance pays you a benefit if you are unable to work for a period of time because of illness or injury. This insures you for a set level of income and will pay you until you can return to work or for the agreed period
• Total & Permanent Disability Insurance ( T& PD)  –T & PD pays you a lump sum if you become totally and permanently disabled. The definition of total and permanent disability varies between insurance companies. It can mean that you are disabled to the extent that you will probably be unable to work again in your occupation or in any job.
• Business Insurance – Keyman Insurance & Buy/Sell insurance