| Insurance |
De Villiers Brokers provide independent and objective advice based on the demands and needs of every client.
Our services include the following: |
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- A high-touch consultative approach
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- Diagnosis Before Prescription
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- Strategic partnerships with reputable organisations, such as Sanlam, Old Mutual, Liberty, Momentum & Metropolitan to enhance our servicing capability
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- The best legal Advisors support us to
ensure that all aspects of the insurance are covered.
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- We help you to develop appropriate risk controls
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- Remove the administrative burden of insurance and claims to provide you with peace of mind
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| Focus on Education |
Education Packages not only offers you excellent growth potential on your investment, but it also starts to build a strong financial foundation for your child's future financial security.
You may invest in a choice of up to ten investment funds, depending on your risk-to-reward tolerance, and you may switch between funds as your risk profile changes. Product expert fund managers invest according to their mandates and monitor progress daily to safeguard your money and thus your child's future. These are some of the benefits your child will enjoy from as little as R150 per month. |
| Life Insurance |
Who wants to dwell on death, especially when you are young and healthy? But think about what would happen if you were to die suddenly. Would your family be able to cope without your income? Would your dependants have enough money to:
Pay for your funeral?
Pay executor's fees, estate duty and other costs involved in the administration of your estate?
Repay any debts you may have had?
Pay for their daily needs?
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| Retirement Annuity |
Due to the effects of inflation, most of us will barely survive on our retirement money. Unless we protect both our capital and returns, of course - which is what a Retirement Annuity can do for you.
Apart from the tax advantages you get on your contributions, portfolio growth and your final pay-out, a Retirement Annuity also offers a huge number of choices:
a choice of multiple investment funds
the flexibility to switch between them at any time
the flexibility to inject extra sums over and above your monthly contributions or lump sum investment
of continuing your contributions if you change jobs, and
a choice of pension plans when your Retirement Annuity matures.
You may add regular contribution increases to make sure that the value of your retirement provision is not affected by increases in the cost of living. And if you die, the prevailing value of your Retirement Annuity can be paid directly to your dependants or nominated beneficiaries.
All of this from as little as R150,00 per month if you invest for a term longer than 10 years, or R300 per month for an investment term of five to nine years. You can also invest a minimum lump sum of R2 500!
When you invest ina Retirement Annuity, you may choose from a comprehensive range of different investment funds. |
| Dread Disease Insurance |
Serious diseases usually strike without any warning – whether you suffer a heart attack, fall victim to cancer, need an organ transplant, or lose your eyesight or hearing. You may not necessarily be medically unable to continue working, and therefore you may not be able to claim disability cover. And it is exactly at times such as these that you will need extra cash – and dread disease cover to generate that cash. |
| What expenses should you provide for? |
- Your medical scheme may not cover all the costs. You will therefore need money to pay additional medical accounts.
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- It may benefit you to remain in bed for longer, rather than slowing down your recovery by returning to work too soon. Your savings account will possibly not be sufficient to carry you financially until you make a full recovery.
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- Any additional medical costs.
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- Treatment in a recuperation clinic.
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- Professional medical care at home.
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- Your basic expenses, such a home loan or car payments.
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- Long leave to convalesce.
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| You will receive a full or partial lump sum payment of the amount insured, should you be diagnosed with any of the following: |
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- Bypass operation and angioplasty
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- Loss of use of a limb due to medical causes
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- Benign brain tumour presenting malignantly
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- Accidental full blown Aids
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