Helderberg Financial Services

03/09/2021

Impairment cover protects you against the long-term financial impact of permanent illnesses, or injuries by paying out a tax-free lump sum amount at the time of the event. More comprehensive impairment cover products can also provide cover for less severe impairments and temporary incapacity for accidental and/or non-accidental causes.

Impairment cover is a cost-effective way to provide peace of mind against what the future might hold. Furthermore, cover can also be scheduled as accidental only cover, where it will then be free of underwriting.

30/07/2021

Severe illness cover is personal insurance that protects you and your family against the financial impact of a major illness like cancer, a heart condition or stroke. Such a financial impact may include the costs of recuperation and funding for a change in lifestyle, both of which are essential for optimal recovery from a major illness.

A tax-free benefit is then payed out in the event where you are diagnosed with such a major illness.

23/07/2021

09/07/2021

Disability cover ensures that you continue to get an income, even if you're no longer able to work due to illness or injury. It also provides for expenses that occur because of the disability event.

There are various ways that one can ensure you are covered against the risk of a disability event. Disability cover either provides a monthly income to the insured or pays out a lump-sum amount after a disability event is triggered. This cover can also be focused on accidental cover only or your ability to continue to perform your own occupation.

25/06/2021

A life insurance policy offers 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 to your family and allows you to leave them a non-taxable amount at the time of death. It is also used to 𝗰𝗼𝘃𝗲𝗿 your mortgage and other personal loans.

21/05/2021

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14/05/2021

*Based on a benchmark within the South African–Multi-Asset–High Equity category.
*Portfolio structures are risk profile dependant.