Risk management is to reduce the effect of unforeseen events such as death, disability
and severe illness on your personal financial portfolio. Insurance is able to provide
financial protection to you and your family by:
 Protect your income in the event of you not being able to continue working
 Protect your assets (short term risk cover)
 Provide of financial support to your family/financial dependents (life cover)
 Provide of cover to settle all your outstanding liabilities in the event of death or
disability
 Cover estate planning costs e.g. Estate Duty, Executors Fees, CGT, Marital
Accrual Claims, Outstanding Income Taxes
 Leave a financial legacy for your loved ones

Risk Planning