Life

The author Terry Pratchett wrote that no-one is truly dead, until the ripples they cause in the world die away.  This could literally have been a life-insurance tagline.

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Description

What is life cover?

Life insurance is in essence the cover you take to ensure your financial responsibilities is taken care of once matters take a turn for the worse. It provides your family with adequate funds to cover estate administration, debt and day-to-day living expenses to keep them financially secure.

Why have life cover?

Having risk and life cover form a critical part of proper financial planning. It brings a family, husband or wife, a partner, children and loved one’s peace of mind that if something should happen to you due to an unforeseen event, such as death, disablement or critical illness, your family will be taken care of financially.

Your life is probably your most valuable asset. In most cases, spouses and families rely on one another’s income to sustain a good standard of living. Therefore, you should have life cover intact to ensure you won’t be stuck in a scenario where you have to manage a household with only one source of income you weren’t used too.

How much life cover do I need?

The amount you will be covered for, depends on the income you would want to secure. You will have to calculate the lump sum that will generate that specific amount, taking inflation into account.

How we do it at Optimum

Over the years we’ve seen how important this relatively small decision turns out to be; families have been utterly destroyed, led to ruin, because of poor planning, while on the flipside there are those left behind who were well looked after, and where the insurance in actual fact, was the start of a legacy for generations to come.

Optimum possesses a team of professional advisors that advise you not only on individual life-insurance schemes and their benefits, but also on insurance for businesses, such as ‘buy and sell’s’, key individual insurance, estate planning, client specific investments and risk profiles, tax planning for individuals, companies and trusts, pension funds, tailor-made solutions for income planning, and post-retirement building blocks, or whatever else one might require.  Optimum has the specialist knowledge to perform according to your needs.

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