Investment vehicles that invest in South-Africa or overseas, both as recurring and / or lump-sum contributions.

Vehicles for short, medium, and long term investments.

An investment to provide funding for childrenís schooling and / or tertiary education.

An investment that is tax free, except for estate duty on the death of the investor.

To ensure that your retirement income and capital needs are sufficiently and tax-effectively funded.

To accumulate sufficient capital before retirement to fund escalating medical aid contributions in retirement. 

A very cost effective solution for parents / grandparents to leave a legacy for major children. Parents who had funding for minor children under the Guardianship solution can convert it to a legacy.

An agreement, testamentary trust provision and very cost-effective funding for guardians of minor children.

To provide a tax free lump-sum for unpaid medical expenses and lifestyle changes. 

To provide a tax free lump-sum for unpaid medical expenses and lifestyle changes. 

To fund living expenses and debt whilst your estate is being wound up and to provide for certain estate expenses such as executorís  and property transfer fees.

A tax-free lump-sum to settle all estate costs and taxes and to replace your spouse / partner's income so that your family can maintain their standard of living. If your spouse / partner isn't working you may still incur additional expenses to care for minor children (a  "nanny").

A tax-free lump-sum to settle all estate costs and taxes and to replace your income so that your family can maintain their standard of living.

A tax-free lump-sum payable in the event of permanent disability to settle all household debt and provide funds for lifestyle changes in the event of permanent disability as a result of disease, injury, or accident.

An investment equal to between 3 and 6 months household expenses.

For your house, car, and personal belongings in the event of accident / theft / damage.

To cover you for against medical expenses, especially large hospital bills that can be financially crippling.

To provide tax-free funds within 48 hours for a dignified funeral and related expenses as life policies may take some time to pay out. 

To ensure that your assets are distributed in a cost effective, timeous manner to your heirs according to your wishes.

To provide you with a monthly tax-free income in the event of permanent disability as a result of disease injury or accident.

A solution that pays you a tax-free monthly income in the event of temporary disability as a result of disease, injury, or accident to ensure that you can pay your life cover and other benefits, short-term, medical aid and funeral premiums and your living expenses.