We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Permanent Health Insurance
This is the provision of an income in place of a salary during an employee’s absence from work due to ill health. It is usually payable after a deferred period, which would come into effect as soon as the employer stops maintaining the employee’s full salary, i.e. three, six or twelve months.
It is relatively expensive and the underwriting requirements are usually quite stringent. It is therefore commonly provided only to specific key individuals in the business.
As with all types of assurance, costs and the terms and conditions vary tremendously. It is therefore very important to ascertain exactly what benefit is required and to research the market thoroughly before taking out this kind of contract.