The demands of protecting your business have become more diverse. From a partner who sees your business the way you do, we believe in providing you with the relevant insurance solutions that aim to meet your business needs today. And tomorrow.
Key-Man Protection
Potentially protects against the Loss1 of a key person.
- Compensates2 a business in the event of an unexpected Loss1 of a key person
- Business can use the sum assured to:
- mitigate potential negative financial impact due to the loss of a key person (i.e. life insured) or
- potentially enable business continuity and sustainability
Employee Benefits
Provide employee benefits that potentially attract and retain talented personnel.
- Choice of selected product to potentially fulfil the business' Golden Handcuff Schemes3
- Provides hospitalisation benefits to the employee(s) and their family
Business Loan Protection
Ensures that credit obligations are potentially insured against Total and Permanent Disability and/or Death of life insured and that the burden does not rest with the life insured’s estate4 and/or business partner(s) upon Death of the life insured5.
- Avoid the need for sudden replacement of a guarantor
- Use to potentially repay outstanding loan(s)6
- Potentially protects the life insured’s personal estate4 that has been pledged as a collateral in the event of Death of the life insured
Share Buy / Sell Arrangements
Potentially enable the transfer of share ownership to remaining partner(s)/shareholder(s) upon covered events8.
- Surrender value of policies to fund the continuation of the business in the event of planned retirement
- Funds the continuation of the business upon the Death/Terminal Illness of life insured7
- Payout could potentially be used for shares buy/sell due to occurrence of covered events8,9. Beneficiaries of the life insured will receive the sum assured stated in the policy to fund for the transfer of share ownership
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