Risk

Ensure a better tomorrow, today

The direction of one’s life can quickly take a turn for the worst and if that happens, our range of comprehensive insurance offerings will help ensure your on-going financial well-being, your income, and the lifestyle which you have become accustomed to.

Insurance for you and your loved ones

In order to be prepared for every eventuality, it is vital that you opt for the right insurance products which will not only preserve your income and financial wellbeing now and in future, but also that you choose cover that will provide ultimate peace of mind for your family.

Cover for every spanner life can throw in the works

My adviZAR’s extensive selection of products and services will help preserve your income, lifestyle and financial wellbeing now and in future, regardless of life’s unfortunate and unforeseen events.

These include:

  • Life Insurance – Death is not a pleasant topic to ponder, but the continued financial security of the loved ones left behind definitely is worth considering and preparing for. My adviZAR’s life insurance products have been specifically developed to deliver that piece of mind in a simple to understand way.
  • Credit Life Cover – Don’t leave your family with the burden of your loss and that of your financial responsibilities such as a home loan, vehicle finance or other debts. To prevent that nightmare from coming to pass for our clients, we created our Credit Life Cover solution, which pays these kinds of loans in the event that you are no longer there or able to do so.
  • Funeral Cover – My adviZAR’s funeral cover will ensure that you and the rest of your family members you choose to cover, are able to get a highly dignified burial.
  • Disability Cover – Your income fuels the quality of your lifestyle, so if your ability to maintain that income is compromised, it will negatively impact the quality of lifestyle. Disability Cover allows for continuity in that regard since it will cover your expenses via a lump sum pay-out, when you are no longer able to work due to becoming disabled, whether the disability is temporary or permanent. Alternatively, you can opt for my adviZAR’s Income Protection product, which provides continuity and dependability in terms of your income, instead of a lump sum pay-out, in the event that you become disabled and can no longer generate that income.

Critical Illness – Getting diagnosed with a severe illness is difficult enough to be burdened by concerns over the cost of treating said illness. That treatment should be the only thing occupying your mind at that time and not the associated medical expenses of the treatment such as hospital stay, doctor bills and medicine and this is what my adviZAR’s critical illness cover is for. Speak to a my adviZAR consultant about additional options such as Severe Illness Cover which provides extra benefits such as gap cover for instance.

All-encompassing short-term insurance

Ensure your business assets or invaluable collection of home items including furniture, memorabilia, and expensive electronic equipment through my adviZAR’s short-term insurance products. We will provide the right advice for customers that will suit their needs and budget to provide ultimate reassurance when it comes to loss as result of theft, damage, or loss. Short-term insurance offerings can take the form of vehicle insurance for your car or company vehicle, building insurance for the company’s premises, and household insurance for the contents of your home or apartment.

Taking the risk of out business, so companies can focus on growth

Ensuring continuity of ownership – Starting and growing a thriving company with a like minded business partner is hard. However, what happens when the unthinkable happens and that partner passes on? It is not just a difficult loss from a personal relationship point of view, but also an undesirable one from a professional relationship because the business continuity can be disrupted.

My adviZAR’s experts can assist with preventing this and minimising the unfortunate fallout emanating from such a scenario, through risk solutions like a buy and sell arrangement which will entitle the owner/s left behind to first option to the deceased stake in the company. Moreover, it allows them to set aside funds over time if such an event were to occur, meaning that an expensive loan will not be needed to take out to make such a buyout possible.

Times are tough and your business shouldn’t suffer because of it

People are going through tough times and so are businesses as a result of slow economic growth, as well as other factors like defaults by debtors. Today more than ever, companies of all sizes require business debt insurance. Business owners are for the most part personally liable when they take out business loans from financial institutions and if the income generated by the business is too slow to timeously repay said loans, then business debt insurance will become indispensable tool for keeping the business operating.

Besides the need for continuity in terms of cash flow, another vital ingredient to the success of a modern business is having the right people excelling in their key positions within the company. What happens when your best sales person moves on to a competitor? My adviZAR can offer products and advice to help companies make up for the loss of income over the short term as well as the replacement cost of getting another trailblazer to fill that vital role in the business.

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