Just Look at the Benefits Your Life Insurance Can Give You!!

The modern Life Insurance policy offers so much! From life Insurance to Retirement Provision.
You can add what you want - when you want it. No hassle!
You pay only for what you need. And pure risk benefits (as opposed to traditional life policies) don't waste money on "hidden" benefits.

  • You can buy only Disability or only Dread Disease cover if you wish!
  • You can make sure your life cover is not affected by any disability or dread disease claim!
  • You can have different amounts of cover for different needs - all in one policy!
  • You can insure more than one life in the same policy!
  • You can add savings to your policy if you wish!
  • Immediate cover from the time you submit an application - FREE!
  • Payment on diagnosis of a terminal illness - FREE!
  • Up to R100,000 instant cash paid on death - FREE!
  • 20% of your premiums paid for a disability or dread disease benefit paid back to you where you do not claim!
  • Life cover with no medical!
  • Premiums based on your circumstances with no cross-subsidisation!
  • Cover increases linked to a foreign exchange rate!

    Here is a guideline as to some of the benefits YOU can have....

  • Life Insurance
  • Earning Ability (Disability)
  • Lifestyle Adjustment (Dread Disease)
  • Retrenchment Benefit
  • Child Education
  • Future Cover
  • Waive Premiums
  • Savings
  • Premiums Paid Back
  • Funeral Benefit
  • Retirement benefit
  • Discounted Premium

    LIFE INSURANCE

    Term life cover is a cost effective way of providing a tax-free cash lump sum for your dependants. You choose how long you wish to have cover, allowing you to adapt your cover to your needs. At the end of the time, the policy ends.

    Level Term cover is an amount of cover that does not increase and where the premium remains the same. You know exactly what you will be paying for cover at all times. It is ideal for Bond protection as your bond should actually reduce over time and generally has a 20-year term. So, you know what your premium will be, always.

    You do NOT have to buy bond cover from your lender (bank). If you shop around, you can often get a better deal.

    Please write me for a quote.

    Whole of life cover is just that – cover until you die, no matter your age.

    Another form of this cover is a Family Income Benefit.
    If you feel your dependants may not be able to look after a lump sum of cash, this is an answer.
    Proceeds payable on your death are paid as a regular monthly income, not as a lump sum.
    Alternatively, you could consider a trust to control the proceeds payable.
    You buy a term of cover. If you die during this term, the proceeds will be paid until the end of that term.

    Accidental Death. You may be in an occupation that has a high risk of death by accident.
    Or, your health may not be good and you cannot buy term or whole life cover.
    In these cases, accidental death cover is your answer. It will cover you for death by accident, that cannot be traced back to your medical condition.
    Again, it is term cover, normally until age 65.

    Last Survivor Benefit will pay a tax-free cash lump sum on the death of the last survivor of two insured lives. Great for estate planning, especially for married couples who leave their estates to each other. In addition, no premiums are paid after the first death.

    EARNING ABILITY (Disability cover)

    There are two major forms of disability cover;
    • Occupational Disability - where you insure for a loss of income should you become permanently unable to work due to illness or injury.
    • Impairment - where you insure for physical, mental, illness or inability to perform daily living tasks.
  • So you can insure for a loss in ability to work or a disability not at all related to your job - OR BOTH!
  • And you can ensure your life cover is unaffected by a disability claim!
  • You can have cover up to age 70!

    And if you are medically uninsurable, I can still cover you for a Disability as a result of an accident.
    No medical exam is required!

    You can insure for either;

    A Tax-free Lump Sum cash or

    A Monthly Income - the definitive form of disability cover!
    It protects you against a temporary or permanent loss of income as a result of a bodily injury or illness.
    It can cover certain business expenses as well.

    And best of all - the premium is FULLY TAX DEDUCTIBLE!

    • LIFESTYLE ADJUSTMENT (Dread Disease cover)

    Make provision for lifestyle adjustments, treatment and possible loss of income as a result of a dread disease.
    Pays a tax-free lump sum on diagnosis of a condition.

  • You can ensure that a Dread Disease claim does not affect your life cover!
  • You can have Dread Disease cover for life!
  • You can claim for more than one event!

    Now you can have cover for both Disability and Dread Disease all in one benefit!
    That's a cost saver!


    • RETRENCHMENT BENEFIT

    Ever worry about your financial security should you be retrenched?

    Well worry no longer!

    This benefit will pay you cash should you be retrenched.

  • Money to help pay your monthly expenses and give you peace of mind.
  • And the premium is tax-deductible!
  • No medical tests required!


    • CHILD EDUCATION BENEFIT

    What if something happened to you and you could no longer afford your child's education fees?

    Well here's the answer...

    This benefit will provide the money to cover your child's future education costs.
    Or if they don't study further, provide cash for other needs.

    But, what's more, your FULL PREMIUMS PAID ARE RETURNED!!
    Yes, if you don't claim, your premiums are refunded!
    Use that money to pay for their gap year, or a car or whatever.

    The benefit is virtually free - WHY ON EARTH DON'T YOU TAKE IT!

    FUTURE COVER

    What if you need to increase your cover in the future, but can't because of a life-changing event having happened to you?
    Well, you can use your good health today to secure additional life, disability and dread disease cover in the future!

    Never again worry that you may be unable to increase your cover in the future!

    WAIVE YOUR PREMIUMS

    Make your policy pay your premiums upon a claim!
    Protect your vital benefits in the future.

    SAVINGS

    Perhaps you want to get a cash sum in the future? If so, you can add a savings portion to your life insurance.
  • You can access the cash without affecting your life cover!
  • You can select a number of funds into which to invest!
  • Savings from R50 pm.
  • Use the savings to pay your premiums in retirement!

    Get cash back from your life policy!

    • PREMIUM PAYBACK

    Yes, now you can get a refund of some of your premiums!
  • After 5 or 10 years, you can get some premium back if you have not claimed!
  • And the amount can be enhanced if you have a wellness program attached to your policy!

    • FUNERAL BENEFIT

    Cover that offers instant cash to pay for expenses that occur upon your death.
  • Costs such as funeral, debts you owe and immediate cash to help your survivors whilst your estate is wound up.
  • You can insure for up to R100,000!
  • A claim does not affect your life cover!
  • You can add other family members, including Uncles and Aunts and In-laws!
  • Little or no underwriting!
  • Low, low premiums!

    • RETIREMENT BENEFIT

    You know how important saving for your retirement is.
    If you don't do it, no one else will!

    Now you can save through your life policy - what could be easier?

  • It's easy to understand!
  • Save on fees by having one policy. And this can add up to a significant amount!
  • Choose funds that are managed for you. Never again, be concerned you may be in the wrong fund!
  • Get a substantial bonus for remaining invested till maturity!
  • Get a portion of your life insurance premium paid to your retirement fund!

    • DISCOUNTED PREMIUMS

    Do you follow a healthy lifestyle? Then get rewarded for it!
  • Meet certain criteria and get premium discounts!
  • Link your premiums to your Wellness Program - the more points you earn, the better your premium discount!

    • Now can YOU honestly say YOU don't need Life Insurance?

    Can YOU honestly say your current Life Insurance has the same benefits as this policy?

    Maybe this will change your mind?

    TO CROWN IT ALL!!!
    You can get 24-hour assistance, advice and service for life! (Even including your domestic employees!)
    FREE services such as;

    • Information and advice on: · Eating and Fitness programmes. · Stress management and relaxation techniques. · General health and medical topics. · Travel health and medication. · Infant care and immunisation. · Explanations of medical terminology, treatments and diagnostic tests. · Self-care, natural or alternative medicine. · Referral to treatment/support facilities for dread diseases or chronic illnesses. · Unlimited telephonic access to addiction counseling and referrals. · Second opinion referrals. · Discounted Vital supplements · Discounted Health magazines · Discounted Spa treatments · No gym joining fees and subsidised monthly rates.

    • Emergencies · First aid advice. · Emergency response. · Up to R1,000 for compassionate visit by close relative. · Free HIV exposure tests and retroviral treatment. · Free Armed guards after a burglary. · Discounted First aid kits. · Discounted Advanced-driving course. · Discounted security products and windscreen replacement.

    • Disability and retrenchment · Therapist referral. · Discounted aids such as wheelchairs, prosthetics and vehicle modifications. · Assistance for a new CV when job searching. · UIF assistance. Counseling · Any form of trauma counseling, day or night. · Face-to-face counseling if required upon assessment.

    • Legal · Consultations on legal matter such as winding up an estate , tax, divorce, purchase and sale of property, employment labour law and industrial relations. · Small claims court assistance. · Domestic worker contracts. · Limited face-to-face legal consultation, if required.

    • Death · Administrative assistance · Discounted funerals.

      ALL FREE!!

    What would you do if your domestic employee should die?
    Who will assist with getting her body back home?
    What are your legal obligations?
    Well, with this free benefit, all of this is taken care of - even repatriation of her body to her home!
    This is an example of just how comprehensive this free cover is!

    Now, can you really say you don't need to consider life and disability insurance?

    And if you have cover, can you truly say it offers all these benefits?


    If you would like an indication of how little Life Insurance cover will cost,
    please complete the WRITE TO ME REQUEST FORM and post it to me.

    I will reply with some values for you - NO OBLIGATION!

    Nothing beats personal contact!

    lifePlease phone me to discuss your concern.

    083 377 8893

    Email: pyburn@peterpyburn.co.za

    Don't leave your concern here. Call me for advice - no obligation!

    Especially if you are interested in the Benefits of Life Insurance.

    • Peter Pyburn 2011 Life Insurance Advice

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