Our Process
So how do we get you to where you want to be?
We’ve never met face to face so it would be rather arrogant of us to assume what’s important to you and what’s not but we do have a guideline…
Maslow developed his hierarchy of needs which states that we all have five major needs:
• Physiological which deals with food, water, sex, sleep
• Safety which deals with employment, resources, family, health, and property
• Love/belonging which deals with friendship and family
• Esteem which deals with achievement and respect from others
• Self-actualisation which is the desire to become all that you can be
So where does insurance and what we do fit in…the ‘safety’ need, right?
So, right now let’s apply Maslow’s safety need to how we approach each area of our business.
Our approach to Estate Planning
Our approach to Life Insurance
Our approach to Medical Aid Schemes and Gap Cover
Our approach to Motor and Household Insurance
Our approach to Business Insurance
Our approach to investments
Our approach to Estate Planning
Most of us would agree on the following:
1. We spend our lives trying to improve our lifestyles and build up our assets
2. We want to provide for our loved ones
So if you’re going to spend the next 40 years of your life buying a home, upgrading to a new home, buying a car, upgrading to a newer one, you want to make sure that if you were to pass away that those assets would be left debt free to your loved ones, right?
Why bother wasting years and years of your life (and your income) paying off expensive homes and cars if you’re prepared to lose everything upon death?
And if you’ve got a family whom you love very much then you don’t want to leave them on the scrapheap of life, do you?
We’re pretty sure that you want everything you’ve worked hard for to be left to those you love, and more importantly…that you leave them with enough money to maintain both themselves and everything you left them!
So how do you make certain that none of the above happens?
Well, if you’ve got a ton of debt and few assets you make dead certain that you have enough life insurance…and even if you have no debt you still make sure you’ve got enough life insurance to cover your estates final expenses!
Ever had a garage or home that was in an utter shambles and the feeling of overwhelm and despair that went with it? Do you remember how great you felt once you had sorted out the clutter?
Well the same applies to estate planning.
It’s a daunting task sitting down with complete strangers to record all your assets and liabilities, but believe me, it’s exhilarating knowing that you’ve finally taken a concrete step to identify your problem areas and now have a plan in place to address them one at a time.
What’s even better is knowing that you can sit down and forget about it going forward!
That’s because we’ll repeat the process with you next year again and this time it will take half the time.
It’s also great knowing that you won’t have to start your planning all over again with another complete stranger. Someone who’s probably going to recommend that your replace everything you’ve already put in place!
But how much cover do I need?
That’s where the estate plan fits in!
Maybe you’re thinking to yourself, “But I don’t need an estate plan. All I want is life insurance!”
That’s fine…we’ll help you anyway.
But why spend thousands of Rands every year (especially on something you’ll never personally benefit from) and never know whether you had the right amount in the first place?
But hang on, before we can do an estate plan we need to know “who gets what” when you pass on, and that means…
You need a will!
So here’s our solution.
Step one:
You supply us with a copy of your will and if you don’t have a will in place we will arrange to have one drafted for you at no initial cost.
(And yes, we know that the big costs with a will are the executor’s fees and not the will drafting fees… but its better knowing you have a will in place than waiting until you can afford to have one drafted, isn’t it?)
And now that we are crystal clear about your last wishes…
Step two:
You supply us with a list of assets and liabilities, life insurance and investments, as well as your financial objectives on death, disability, and retirement.
Step three
Using this information we prepare a Financial Needs Analysis to determine whether you will – or will not – meet your objectives
Step four
We present our findings to you and provide our recommendations
Step five
You decide which risk you’d prefer to address – and how much you’re willing to invest – and we assist you in putting a solution in place
Step six
Every year thereafter we will review your estate plan so you can sleep easy knowing that your assets are protected from creditors and that even if the worst happens, your family will be taken care of!
Will our process work for you?
Most definitely! We’ve been doing this for over ten years during which time we both worked for a large well known bank where a financial needs analysis was a requirement for dealing with their higher income clients.
Still don’t believe we can deliver on what we discussed right at the beginning?
Why not take a look at our client testimonials which appear to the right of this page? All these testimonials are from existing clients of ours!
So if you’re interested in running through this process with us, why not contact us right now or call us on 0861 999 114.
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Our approach to Life Insurance
Let’s face it…sometimes you need plain old vanilla life insurance simply to address a single need like covering your mortgage bond!
But how would you feel if you found out that you could have got exactly the same life insurance somewhere else with a better premium, better benefits, or a better guarantee?
It’s easy to get confused because of all the ‘noise’ out there in the market. Everyone is offering you the ‘best’ life insurance product, the cheapest, the most comprehensive, so who do you believe?
Should you listen to the ‘go direct’ insurers who say ‘cut out the middleman’ or should you opt for the financial advisor who professes to have specialist knowledge about life insurance?
Is direct life insurance really cheaper, and is traditional life insurance really that more comprehensive?
So how do you decide on which is best for you?
