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Skip Navigation LinksSelf-employed Professionals

Personal and Family

Wills, Trust Services and Estate Planning

There's no need to see your life's work go to waste due to a non-executable will. Plan properly to spare your next of kin and business partners as much trauma and inconvenience as possible.

Safeguarding the financial interests of your loved ones is your biggest priority when it comes to planning your estate; ensuring that the needs of your family and dependants are taken care of, and that estate duty and income tax liabilities are kept to a minimum.

Setting up trusts and drafting a will require specialised legal knowledge.

We can assist you with the following:

  • Drafting a will
  • Estate planning
  • Estate administration
  • Trust administration
  • Inter vivos trusts

Contact us now to speak to a Sanlam accredited financial planner.

Life and Disability Cover

Of course you will do everything in your power to make sure your family can continue life without you as their provider.

But will your life and disability cover be sufficient to provide for:

  • School fees?
  • Payments on your house and vehicle?
  • Savings for your children's education?

To help you prioritise the necessities for which you should provide cover, contact us now to speak to a Sanlam accredited financial planner.

Healthcare

Good medical care is expensive. Sanlam can help you with affordable, flexible and comprehensive medical scheme solutions.

Contact us now to speak to a Sanlam accredited financial planner.

Car and Household Cover

Have you got sufficient cover for your car, house and household assets to protect you against any potential loss or damage? Consider a comprehensive asset protection needs analysis now to determine your specific requirements.

Contact us now to speak to a Sanlam accredited financial planner to discuss your car and household insurance needs.

Retirement

It is not advisable to view your business as your only retirement plan. For a tax-friendly alternatives, have a look at our Business Retirement Plans.

Education Planning

Have you considered how you will cover your children's school fees or save for their education in the event of losing your regular income?

Contact us now to speak to a Sanlam accredited financial planner.

Savings and Investments

Making the correct investment decisions today will have an impact on all your plans for tomorrow.

Share your future plans and investment concerns with trained and knowledgeable financial planners – professionals who know about the best-suited investment opportunities and vehicles to meet your specific needs.

Contact us now to speak to a Sanlam accredited financial planner.

Protection of Income

Call us on 0860 118 888 or contact us now to speak to a Sanlam accredited financial planner.

Sickness Benefit

Our sickness benefit pays out if you are placed on sick leave as a result of an illness or injury that renders you unable to perform your usual professional duties.

  • It has a seven day waiting period, so claims of less than seven days are not considered.
  • However, once your sick leave has lasted more than seven days, the payment backdates to day one.
  • For example, if you were booked off for 10 days, it would pay out for the full ten days, and includes weekends and public holidays.
  • The majority of sickness benefit claims are for shorter-term, high-frequency occurrences, like sinusitis or bronchitis, and statistics show that the average sickness benefit claim is for between 10 and 14 days.
  • There is no requirement to prove any loss of income – the doctor's certificate (in the form of a one-page document from the assurer) is what validates the claim, and the benefit is paid tax-free.
  • A maximum of 24 monthly payments will be made for a specific cause.

Income Protection

An income protector, on the other hand, has a lot more flexibility in the waiting periods that can be selected.

  • You can select seven days or one, three, six, 12 or 24 months as a waiting period, which enables your financial planner to structure the product to suit your individual needs.
  • Your inability to work must also result in a loss of income, in order for you to qualify for a claim.
  • An income protector can also protect you against the possibility of permanent disability, in that the benefit payments may continue until your chosen retirement age.
  • One of the major benefits of an income protector is the ability to deduct your monthly premiums from your taxable income.
  • Many professionals find the tax deductibility to be of great value if you weigh up the certainty of a regular premium payment, which is tax deductible, as opposed to the possibility of a claim pay-out, which would be taxable.

Under 30? Insure your future earnings

If you are a professional under 30, you can now protect your potentially higher future income should you become permanently disabled. This higher cover amount is calculated according to the growth potential of your future earnings in your professional career, despite the fact that you became disabled during the early phase of your career.

Solutions for professionals offer both of these solutions, which can be taken in a combination – this means you can experience the best of both worlds. Please feel free to contact us on 0860 118 888 for a no obligation discussion with a Sanlam accredited financial planner.

Advice

Get expert financial advice

A financial planner can help you make the most of what you have - contact us today on 0860 100 539.

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