Protection

Protection

Due consideration to estate planning (wills / trusts), personal insurances and taxation strategies, will enable protection of your wealth and those dear to you.

There are three types of investors: those who have too much insurance, those who have too little, and those with just the right amount. The latter is a rare breed. PPI can assist you in analyzing your exact requirements and balance this with your budget. Because of the highly competitive nature of the insurance market, it is best to shop around for the best overall package. We have already done this and can assist you in finding the right product.







Types of insurance
  • Term insurance
    A policyholder will pay a premium for an agreed term during which life insurance is in force for the term. If the life assured dies within the term, the benefit is paid. Should the life assured survive the term, there is no payout.
  • Whole life insurance
    Generally, level premiums and covers are maintained throughout the life term of the insured regardless of how long he or she lives, provided premiums continue to be paid. After the policy has been enforced for some years, it will begin to obtain a cash value.
  • Endowment insurance
    This policy provides a sum to be paid if the life assured survives to a maturity date, or if the life assured dies before the maturity date.
  • With-profits policy
    Premiums are higher than those of a non-profit policy, because the benefits paid at death or maturity will be greater than those of a non-profit policy.
  • Unit-linked policy
    This provides a death benefit but their main purpose is to provide a means of investment for the policy holder's savings.
  • International medical insurance
    This aims to pay all or part of medical expenses and often a replacement income if you fall ill.
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