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Demarcation of Health Insurance (Gap)

09.03.12

Road Accident Benefit Scheme

07.02.12

Taking new ground: Cover for farm labourers

21.09.11

Bulk Insurance: Good for the consumer or the underwriter?

21.09.11

Group Income Protection -why it can be an easy sell?

16.09.11

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Disability Cover - Essential for a Business Owner

As a Broker or Financial Advisor you offer financial advice to clients each and every day.  This advice may be regarding the insuring of assets, lives or health events.  The state of the health of your client, as well as your state of health, is paramount to the sustainability and success of your business.

If your client becomes ill or is disabled, and does not have either a succession plan or the necessary disability insurance program – they are no longer able to continue their business and as a result are no longer able to afford short-term, life or medical cover.  Therefore they no longer require the services of a BROKER or FINANCIAL ADVISOR!

The same issues apply to you as a Broker or Financial Advisor to your client.  Your client expects you, as their intermediary, to offer them continued service in the event of your DISABILITY – whether you are TEMPORARILY DISABLED or PERMANENTLY DISABLED.  The assets, lives and health of your clients will continue to require cover and servicing, both when you are healthy and when you may be ill, injured or disabled.

Disability cover alone may not solve the succession plan of your business, but the cover payouts will assist in the continued sustainability of both your business and your personal lifestyle.

Disability cover may be purchased on various levels, at differing cost structures:-

• Loss of earnings – Accident only
• Loss of earnings – Illness and Accident (payable for 12 months or up to age 65)

• Dread Disease

• Lump Sum Disability
• Personal Accident Cover

Most of these forms of cover are available via the FIA Group Scheme – at group discounted rates. For your own benefit ensure that you have requested quotes from the FIA – ensure that your client is adequately covered.

Franchise Plus GAP Accident Medical Expenses Plan Caregiver Policy Elite Protection Plans You Choose Policy Personal Accident Millionare Plan Serious Illness Protection Plan Image Protector Plan Emergency Medical Response Plan Chronic Benefit Policy Extended Cover Lifestyle Protector Pinnacle Income Protection Plus Senior Surgery Income Protection Plan Surgery Income Protection Plan Vital Care Plan International Healthcare Plan Group Guard Business Travel Group Guard Group Personal Accident Ground Breaker

Gap Plus/Premier Cover Plan Combo Gap Plus

Elite Protection Plus (Short Term) Elite Protection Plus (Life)

Transfer of Risk? Streamlining and Enhancing your Offering News Healthcare opportunities in tough times Disability Cover - Essential for a Business Owner Health Insurance - Demarcation Group Income Protection - why it can be an easy sell! Bulk Insurance: Good for the consumer or underwriter? Taking New Ground: Cover for farm labourers The Best Way to Stretch Your Medical Aid Cover Road Accident Benefit Scheme Demarcation of Health Insurance

Why Utilise Our Products and Services? Frequently Asked Questions Glossary