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Business life cover that incentivises those insured to lead healthy lifestyles

14 August 2014 | Discovery

Business life assurance is an important consideration in managing a business, but it can often be overlooked. Business owners do not see any direct benefits from it while a policy is in force, and its significance only becomes evident on a life-changing event. In cases of death or disability, it allows business partners to buy the interests of another (known as buy and sell cover) or it offers traditional keyperson insurance which pays out on death or disability of selected key staff members.

Discovery Invest – classic flexible investment plan

14 August 2014 | Discovery

Discovery Invest’s newly launched Classic Flexible Investment Plan offers investors a built-in 10% upfront booster feature which helps protect their investment from poor relative performance over the long term.

Discovery Life – Dollar Life Plan

14 August 2014 | Discovery

Global risk protection denominated in US Dollars; with the ability to convert good health into a tangible financial asset offshore to supplement and diversify retirement savings.

Altrisk pays R8 million on early death and monthly income protection claim

13 August 2014 | Hollard Life

In the life insurance industry, an ‘early’ claim is classified as a claim on a policy that has been in force for anything less than two to five years depending on the insurer’s practice. An early claim understandably raises some flags for the insurer to validate that all the pertinent facts were fully disclosed by the policyholder at the time of buying the cover.

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Question

Are financial advisers ready for the combined impact of COFI and AI?

Answer

Yes, fully prepared and already adapting Somewhat prepared, but still facing implementation challenges Not yet prepared, more time and support needed Unsure / still assessing the impact

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