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Wealth Planning Advice for Private Clients

Family Protection

There are a great many 'what ifs' in life.

“What ifs”. Questions sometimes too frightening to contemplate an answer; too many unknowns, with none of us certain about what's going to happen in the future, with possibilities many of us don't necessarily want to consider.

How would my family cope financially if I died? Would they be able to keep the house? What about school fees? How would we cope if one of us became ill? What if one of the children became ill? What if I lost my job? What if...?

No amount of planning can possibly remove the distress caused by the death of a loved one, the discovery of a serious health issue or by a sudden, unwelcome and unexpected change of circumstances. However, steps can be taken to ensure that appropriate measures are put in place to remove financial pressures, making sure that financial concerns are the least of your worries.

Our Wealth Planners are able to discuss all of your family protection needs: Life assurance, medical insurance, family income benefit, critical illness cover, income protection, and the use of powers of attorney and trusts.

An old saying promises that “you can never have too much insurance”. We think that perhaps you can. We advocate regular, balanced reviews of your family protection needs with a qualified Wealth Planner to ensure that you understand and appreciate your position in the event of the worst happening and are put in the strongest possible position to make the right decisions.

Our view is that whilst you might be able to have too much insurance, you can never have too much reassurance.

Family protection; it’s all about peace of mind.

To discuss your family's protection needs in detail click on the contact us box to the right to contact a Sanlam Wealth Planner.

Ensure you disclose all relevant circumstances when applying for any life or health insurance products and advise your insurer of any changes as per their individual requirements. If not, your policy may be invalidated and you will not receive the benefits.
Policy premiums are not normally refundable upon cancellation of a policy. 

Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.