Insurance

Protect What Your Wealth Depends On.

Insurance is about managing financial risk and protecting the people, income and goals that matter to you.

Insurance is about protection. It is designed to manage financial risks that can affect individuals and families, and it can form an important part of a broader financial plan.

Life & Term Insurance

Consider protection for dependants and future financial obligations.

Health Insurance

Plan for healthcare costs and the effect they can have on household finances.

Personal & Asset Protection

Review relevant protection needs such as personal accident, motor or property cover.

Insurance in Financial Planning

Protect the plan before you build on it.

Investment planning can be disrupted by an unmanaged financial risk. Reviewing appropriate insurance cover alongside investments can help create a more resilient financial plan.

A Practical Approach

Understand the Risk

Identify the people, income, liabilities and assets that need protection.

Assess the Cover

Review existing policies and identify potential gaps or overlaps.

Review Over Time

Protection needs can change as income, family and responsibilities change.

General FAQ

Common questions, answered.

What is insurance?

Insurance is a risk-management arrangement that provides financial protection against specified risks in return for a premium.

Why is insurance important in financial planning?

Adequate protection can help prevent an unexpected event from significantly disrupting a household’s financial plan.

What is term insurance?

Term insurance provides life cover for a specified period and is generally focused on protection rather than investment returns.

How much life insurance do I need?

The appropriate amount depends on factors such as income, dependants, liabilities, existing assets and future financial responsibilities.

What is health insurance?

Health insurance is designed to help cover eligible healthcare and medical expenses according to the policy terms.

Is employer health insurance enough?

It may or may not be sufficient. The answer depends on the coverage, exclusions, limits, family requirements and what happens when employment changes.

Should I review my insurance cover?

Yes. Major changes in income, family responsibilities, loans or assets can change the level of protection required.

Is insurance an investment?

The primary purpose of insurance is protection. Some products may have investment or savings features, but these should be evaluated separately from the need for protection.

Next Step

Ready to take the next step?

Discuss your requirements with KAPSiNVESMENT.

Talk to Us Call 9082784041