Life Circumstances

Selecting the right product set for your Life Circumstance

Life Circumstance

Characteristics

Typical Financial Needs

Financial Solutions

Single and Starting Out
  • Young
  • No dependants
  • First Job
  • Long term savings
  • Saving for a deposit on a house/flat or paying for study loans
  • Saving for Retirement
  • Protection and Disability
  • Financial Planning Product
  • Regular Premium Savings Benefit
  • Single Premium injection Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
Single and Established
  • Young
  • Committed relationship
  • Own a car
  • Looking to purchase a house
  • Long term savings
  • Saving for Retirement
  • Protection & Disability
  • Financial Planning Product
  • Regular Premium Savings Benefit
  • Single Premium injection Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
Married
  • First House on loan
  • Dual income
  • Second or third job
  • Thinking about children
  • Thinking about family
  • Bereavement
  • Saving for Education
  • Safeguarding your dependants
  • Protecting against retrenchment
  • Saving for retirement
  • Safeguard Dependants and loans in the event of death
  • Protecting against ill health
  • Protection and Disability
  • Dignified Burial
  • Regular premium Savings benefit
  • Single premium injection benefit
  • Regular premium Death benefit –Term
  • Regular premium Death benefit – Life Cover
  • Severe Illness Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
  • Adult Funeral Benefit
Family Life
  • Young children
  • Lots of demands on disposable income
  • Protecting against ill-health or disability
  • Bereavement
  • Saving for your children education
  • Safeguarding your dependants
  • Protecting against retrenchment
  • Saving for retirement
  • Safeguard Dependants and loans in the event of death
  • Protecting against ill health
  • Protection and Disability
  • Dignified Burial
  • Financial Planning Product
  • Regular premium Savings benefit
  • Single premium injection benefit
  • Regular premium Death benefit –Term
  • Regular premium Death benefit – Whole Life
  • Severe Illness Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
  • Adult Funeral Benefit
  • Child Funeral Benefit
Single Parents
  • Young children
  • Lots of demands on disposable income
  • Protecting against ill-health or disability
  • Bereavement
  • Saving for your children education
  • Safeguarding your dependants
  • Protecting against retrenchment
  • Saving for retirement
  • Safeguard Dependants and loans in the event of death
  • Protecting against ill health
  • Protection and Disability
  • Dignified Burial
  • Financial Planning Product
  • Regular premium Savings benefit
  • single premium injection benefit
  • Regular premium Death benefit –Term
  • Regular premium Death benefit – Whole Life
  • Severe Illness Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
  • Adult Funeral Benefit
  • Child Funeral Benefit
Empty Nest
  • Children have left home
  • Retirement is approaching
  • Protecting against ill-health or disability
  • Saving for a dream
  • Safeguarding your dependants
  • Protecting against retrenchment
  • Saving for retirement
  • Safeguard Dependants and loans in the event of death
  • Protecting your assets
  • Managing your tax
  • Protecting against ill health
  • Financial security while disabled
  • Dignified Burial
  • Financial Planning Product
  • Regular premium Savings benefit
  • Single premium injection benefit
  • Regular premium Death benefit – Life Cover
  • Severe Illness Benefit
  • Accidental Disability Benefit
  • Physical Impairment Benefit
  • Premium Protection on Disability
  • Adult Funeral Benefit
Retiring Comfortably
  • House is fully paid off
  • Increasing leisure time
  • Reduced income (and expenses)
  • Conservative investment strategies
  • Tax planning prior to retirement
  • Safeguarding your dependants
  • An income
  • Estate planning
  • Investing your retirement capital to provide
  • Managing your investment
  • Dignified Burial
  • Financial Planning Product
  • Regular Premium Savings Benefit
  • Single premium Injection Benefit
  • Adult Funeral Benefit