Life is filled with uncertainties and risks. Life insurance protects you against unforeseen events by minimising their impact on your dependants. 

A life insurance policy pays out a lump sum in the event of total and permanent disability or death. The benefits are intended to cover immediate to longer-term financial needs of your family members such as parents, spouse and children.

Are you under insured?

Are you adequately covered so that your loved ones will not experience financial difficulties should anything happen to you?

In assessing your needs, consider:

•    the number of dependants you have
•    the lifestyle you want to provide your family with after your demise
•    your children's education needs
•    your outstanding debts and mortgages

To gauge how much insurance coverage you need, go to the protection gap calculator.

Professional advice is important

Your financial circumstances are not exactly the same as another person's.

It is advisable to seek the help of a financial adviser whose job is to guide you in making choices you understand about your financial future, and provide you with suitable financial solutions that will protect you and your loved ones in the event of a calamity.

Contact any one of our member companies to put you in touch with a financial adviser.