Business Insurance


About Business Insurance

Business Succession Planning

Owners and Partners work hard to build their business and when it is time to leave the business, they want and expect to realize its potential.  Owners and partners will exit the business at some stage.  But, will this be a planned exit e.g. retirement or unplanned exit such as a result of an accident, illness or premature death?

Business succession planning is about having the RIGHT amount of funds, from the RIGHT source, passed to the RIGHT party at the RIGHT time.    


To reduce or clear debt obligation and guarantee in event of death, critical illness or Permanent Disablement

Key Person

To give funding to replace a key individual lost due to death, critical illness or disability.


To provide funding to buy out partners/ co-shareholders interest in business in the event of death or Permanent Disablement.

Business Insurance covers a wide range of situations and circumstances, talk to us and we will guide you through this process to arrive at the right decision.


What We Offer

Life Insurance

Life Cover protects the lifestyle and future of your family and loved ones if you die.

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Trauma Cover

A Trauma Benefit is payable if the life assured suffers for the first time after the risk commencement date, a severe medical condition as listed in the policy document and survives for at least 14 days thereafter.  Some conditions may result in partial payment and others full lump sum payment of sum insured.

This could be arranged as accelerated benefit to Life Cover or as a Standalone benefit.  Some major conditions that may be covered include – Cancer, Heart, Major Neurological disease, Paralysis and loss of functionality.

Worldwide Cover –  Provides cover anywhere in the world, 24 hours a day.

Something To Think About – Serious illness, such as cancer, heart attack or stroke, is more common than you might think, and the cost of recovery can have a huge impact on you, your family and your business.

Waiver of Premium

Why continue to pay your insurance premiums if you become totally disabled?

What is Waiver of Premium – Waiver of Premium removes the burden of paying premiums when you are unable to work due to total disability, saving you money when you need it most.

Total Permanent Disablement Cover

It’s easy to take good health for granted but sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again.

Total Permanent Disablement can provide a lump-sum payment, and financial peace of mind, should you become totally and permanently disabled and be unable to work, through accident or illness.

Types of Cover: There are two types of Total Permanent Disablement cover available, depending on your occupation:

  • Any Occupation
  • Own Occupation