Ensure the smooth running of your business in difficult times.

Keyman (Provision for the replacement of a key employee)
Funds the replacement costs of key personnel who die or become disabled and cannot work. It allows for the profitable continuation of the business.

Partnership (Continuity of your business)
In the event of death or disability of any co-owner of a business, the surviving owners have the necessary financial resources to retain control of the business by effecting buy and sell assurance on each other. The proceeds of the assurance are used to purchase the share of the deceased owner from his/her family.

Future Liability (Future liability and/or asset replacement )
This ensures there is enough money to replace depreciating assets as well as to fund future liabilities such as overdrafts, mortgage bonds and loan accounts.

Personal Liability (Protect your business from debt)
Protects the families of you and your partners if one of you stand surety for a company debt. Should the person who stands surety die, the debt will be paid. This ensures that neither the deceased's family or the business suffer any financial hardship from the outstanding debt.