Your Characteristics

Typical Financial needs

Policies for your needs

Young
No dependants
First Job

• Long term savings
• Saving for a deposit on a house or a flat, paying for study loans
•  Saving for Retirement
• Protection & Disability

• Financial Planning Product
• Regular Premium Savings Benefit
• Single Premium injection Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability

Single and Established

Young
Committed relationship
Own a car
Looking to purchase a house

• Long term savings
• Saving for Retirement
• Protection & Disability

• Financial Planning Product
• Regular Premium Savings Benefit
• Single Premium injection Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability

Married

First House on loan
Dual income
Second or third job
Thinking about children
Thinking about family
Bereavement

• Saving for Education
• Safeguarding your dependants
• Protecting against retrenchment
• saving for retirement
• Safeguard Dependants and loans in the event of death
• Protecting against ill health
• Protection and Disability
• Dignified Burial

• Regular premium Savings benefit
• single premium injection benefit
• Regular premium Death benefit –Term
• Regular premium Death benefit – Life Cover
• Severe Illness Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability
• Adult Funeral Benefit

Young children
Lots of demands on disposable income
Protecting against ill-health or disability
Bereavement
 

• Saving for your children education Safeguarding your dependants
• Protecting against retrenchment
• saving for retirement
• Safeguard Dependants and loans in the event of death
• Protecting against ill health
• Protection and Disability
• Dignified Burial

• Financial Planning Product
• Regular premium Savings benefit
• single premium injection benefit
• Regular premium Death benefit –Term
• Regular premium Death benefit – Whole Life
• Severe Illness Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability
• Adult Funeral Benefit
• Child Funeral Benefit

Single Parents

Young children
Lots of demands on disposable income
Protecting against ill-health or disability
Bereavement

• Saving for your children education Safeguarding your dependants
• Protecting against retrenchment
• Saving for retirement
• Safeguard Dependants and loans in the event of death
• Protecting against ill health
• Protection and Disability
• Dignified Burial

• Financial Planning Product
• Regular premium Savings benefit
• single premium injection benefit
• Regular premium Death benefit –Term
• Regular premium Death benefit – Whole Life
• Severe Illness Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability
• Adult Funeral Benefit
• Child Funeral Benefit

Empty Nest

Children have left home
Retirement is approaching
Protecting against ill-health or disability

• Saving for a dream
• Safeguarding your dependants
• Protecting against retrenchment
• Saving for retirement
• Safeguard Dependants and loans in the event of death
• Protecting your assets
• Managing your tax
• Protecting against ill health
• Financial security while disabled
• Dignified Burial

• Financial Planning Product
• Regular premium Savings benefit
• single premium injection benefit
• Regular premium Death benefit – Life Cover
• Severe Illness Benefit
• Accidental Disability Benefit
• Physical Impairment Benefit
• Premium Protection on Disability
• Adult Funeral Benefit

Retiring Comfortably 

House is fully paid off
Increasing leisure time
Reduced income (and expenses)
Conservative investment strategies

1. Tax planning prior to retirement
2. Safeguarding your dependants
3. an income
4. Estate planning
5. Investing your retirement capital to provide
6. Managing your investment
7. Dignified Burial

1. Financial Planning Product
2. Regular Premium Savings Benefit
3. Single premium Injection Benefit
4. Adult Funeral Benefit