Life Insurance

Unlike short term insurance, life insurance will at some point in time be useful – everyone dies, some early, others later.  It is only in a tragic event that the benefits of these product will be seen.

Each person’s risks that need to be addressed and covered may vary depending on your circumstances.

The different types of risks that can be addressed using an insurance policy include:

  • Death

  • Capital disability

  • Temporary disability

  • Impairment

  • Income protection

  • Severe illness

  • Accident cover

The purpose of risk insurance can be to cover any of the following needs (risks):

  • Provide for a monthly income for your loved ones when you’re no longer around (death)

  • Settle any debts at death e.g. bonds, car financing, credit cards, bank overdrafts etc.

  • Provide for settling any debts should you become permanently disabled due to sickness or an accident

  • Replace your monthly income should you become permanently disabled and can no longer earn a salary

  • Provide a lump sum pay-out when diagnosed with a life-threatening disease or suffering a heart attack.

At Ascor® we can help you identify what risks you need to cover to address an unplanned crisis.  As we are independent, we can source any product from the various insurers for the cover that addresses your specific need.

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Planning for tomorrow, today.