IMPORTANCE OF A WILL / UPDATING AN EXISTING WILL
- You decide without any pressure from anybody else what happens to your property and specify
who gets certain items. - Without a will, you place the power to make decisions about your property into the hands of the
Law. Your loved ones will suffer the consequences. - You nominate the guardians to care for your minor children when you are no longer there, and to
ensure that a Testamentary Trust is created out of your Will to provide for their nancial needs
TYPES OF WILLS
- Joint Will – Normally when parties are married
- Single Will – For an Individual person as well as a married person
- Testamentary Trust Will – When minor children are to inherit
- Living Will – Specically stipulates that you are not to be kept on life support
WHO WILL ATTEND TO THE ADMINISTRATION OF YOUR ESTATE?
- It is your choice.
- Nominating an executor is an important aspect, and strongly recommended that an attorney,
who has full knowledge of the process and law, attends to your estate. - ’A man without a face’ might not have your best interests at heart and only keep an eagle eye on
the total asset value of your estate for the fee. It’s already a nancial and emotional burden for your
loved ones when you are gone; they deserve to work with an executor who cares.
As specified items, you can insure your precious belongings, for example, your wedding ring set, that special anniversary Rolex watch, 19-inch mags on your new Ford Ranger, and your camera with all its bells and whistles.
- Vehicle insurance can be Comprehensive, Third Party only, or Third Party Fire and Theft
- Car hire and roadside assistance are included with Comprehensive cover
- Cover for your windscreen
- All risk items specified – personal items in your vehicle, i.e., laptop and mobile phone
- Contents of your home – everything that can fall down if you could turn your house upside down.
- Electrical appliances, furniture, garden & sport equipment (lawnmower, golf clubs, etc.)
- Items of sentimental value – usually a valuation certificate will accompany this item/s
- Does exactly what it says… covers the gap made by your Medical Aid.
- Up to 500% cover above the medical scheme rate
- Cover for co-payments that might occur
- Casualty benefit for accidents and illness (at any emergency facility)
- Admission fee co-payment benefit (some medical aid schemes charge an admission fee for certain procedures)
- Some providers offer a cancer/oncology benefit to supplement the cover from your medical aid
- Lump sum payout on first-time cancer diagnosis
- [Affordable cover to buffer against unforeseen medical costs.]
Imagine how expensive it will be if you don’t have medical aid, and you are admitted to a State facility for treatment for more than 60/90 days in ICU?
How much is it worth to you to receive treatment at a private facility and to consult with your own GP in your hometown?
Ask us about:
- A whole host of options available to choose from
- Hospital only option
- Hospital with savings option
- Hospital with savings and additional threshold benefits
- Income-based options
- Smart/Network options
- 100 % vs 200 % options
- Cover for prescribed minimum benefits (PMB) conditions
- Oncology benefit
- Preventative benefits
- Maternity benefits
Many people only start saving after the age of 35. Although it is achievable to retire at 65, higher monthly commitments place strain on the investor. The younger you start investing, the more compound interest you’ll earn to help grow your money!
Ask yourself these questions:
- Do you know all the savings vehicles that are available?
- Do you want to look at a Financial Plan and strategy?
- Do you want to put away less than R500 per month, or more?
- Is your current Investment losing Capital Value?
- Do you want to be a burden on, or rely on the State?
- Have you switched your portfolio to a risk profile in line with your age or risk appetite?
What we offer you:
- FREE Financial Planning, Quote & Comparison, Implementation
- We can check if your current fees/deductions are in line with the market
- Advice on the best-suited portfolio
- Advice on tax efficiency
- We can implement a savings strategy to suit your pocket
- Most important cover once you turn 18
- Covers you and/or your loved ones in the event of death
- Cash-back option available if you do not claim annually
- Cover up to 20 people on your policy
- Additional cover benefit if your spouse passes away
- Cover for gravestone unveiling
- Double payout if your spouse passes away as a result of an accident
- Continued cover for your spouse if you pass away
- Automatic baby cover
- Grocery benefit
- Inkomo (Beef) benefit
- Payment of claim within 24 hours
- We source the most competitive rate for you