It is crucial for all expatriates to ensure they
have full insurance protection for health, life,
business, and property. We work with a wide range
of leading insurers and can advise on an extensive
suite of insurance solutions including:
 |
International
and Local Medical Health Insurance |
|
Income Protection |
|
Accident and Disability
Insurance |
|
Personal Indemnity
Insurance |
|
Life and Critical Illness
Insurance |
|
Local Insurance to
cover property, contents, and vehicles |
Protecting yourself and your family financially
from untimely death, illness or accident can often
be the single most valuable investment you make.
Life Assurance is an often over looked yet a vital
part of financial planning. The reason for taking
out life assurance cover can be very specific, for
example:
| 1. |
To
cover an inheritance tax liability - On death, assets are frozen until such time
as a tax liability is established and paid.
For a family mourning the death of a loved
one, the last thing they need is the added
pressure of assets being frozen and a requirement
for a hefty tax bill before they are made
available. Multiple assets in multiple jurisdictions
further complicates this matter. Often a simple
life assurance policy, wrapped into trust,
would ensure that on death funds were available
to settle the tax liability and allow your
family to continue with life. |
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|
| 2. |
To cover
a loan on a property - for this dependant on the loan term and
loan type we may recommend a decreasing term,
this basically means that the sum assured
will reduce in line with the reduction in
the debt. If death occurs, the life policy
will settle the loan and leave the asset unencumbered. |
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| 3. |
To provide
an education for children in the event of
your untimely death. |
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|
| 4. |
To ease any
financial pressure on your loved ones in the
event of your death. Through
research, the single largest concern those
left behind had when a loved passes was how
to cope financially. |
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|
| 5. |
Simply to
leave a legacy for your dependants and loved
ones.
|
Critical
Illness protection will cover you against any major
illness - such as heart attacks, cancers, strokes
etc. This will pay out the elected amount which
often can be used to sustain yourself without work,
modify vehicles and houses (if illness results in
disability) and cover initial adjustment costs.
Income Protection will ensure that should you fall
sick, your income is replaced until you recover.
There are many other situations, which warrant other
forms of protection. We would discuss those specifics
at a face to face meeting.Bottom of Form
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