Risk Management

Life Protection

Life Insurance ensures that your loved ones are protected from the loss of future earnings upon the death of an insured person.

Medical Fund

Medical fund ensures that you are protected from medical expenses that may arise from an illness, injury and pregnancy.

Income Replacement

Income replacement is designed to replace part or all of your income if you or your dependents could not count on it anymore.

Keyman Insurance

Keyman insurance is a policy that offers high protection for key decision-makers in the business, minimizing the impact of losing such personnel.

Debt Cancellation

Debt cancellation ensures that any outstanding financial commitments can be met if you become terminally ill, disabled or suffer a medical trauma.

Buy Sell Agreement

A buy-sell agreement is a legally binding contract between co-owners of a business. It sets out a plan for what will happen if one owner dies and becomes incapacitated. A buy-sell agreement typically requires that the departing owner’s share of the business be sold back to the remaining owner(s) or the company itself.

Education Planning

Education planning ensures your child’s future higher education expenses are financially secured.

Retirement Planning

Retirement planning is designed to prepare yourself today for your future life, so you continue to meet all your goals and dreams independently.

Investment Planning

Investment Planning is a plan that combines investment and protection for financial safety, income and capital gains.

Will & Trust

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