In general usage, a financial plan is a comprehensive evaluation of an individual’s current pay and future financial state by using current known variables to predict future income, asset values and withdrawal plans.

• Life Cover – Is one type of cover that falls under the heading ‘life insurance’, and may also be known as ‘term life insurance’ or ‘death cover’. Life cover pays a set amount of money when you die. The money will go to the people you nominate as beneficiaries on your policy. If you have not named someone on your policy then a Trustee or your estate will decide where the money goes.
• Disability – Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. There are many types of organizations that provide different types of disability insurance
• Critical Illness – Trauma/Dread Disease insurancecovers you for serious medical conditions. Trauma insurance (also known as critical illness insurance) provides a lump sum payment if you are diagnosed with a serious illness or injury. Trauma insurance covers for you serious illnesses, accidents or medical conditions. If you take out a policy and then develop an illness or condition that’s covered under the policy you will receive a one-off payment that can be used to cover your medical costs, large debts such as a mortgage, and the cost of home modifications and professional care.
• Funeral Cover – Funeral coverworks by paying a monthly amount towards a funeral plan so that in the event of death, a specified amount will be paid out to your family. This means that during this difficult time, the costs of a funeral will be covered so that your family won’t have to struggle with the expenses.
• Retrenchment – Retrenchment insuranceas a benefit. Many insurance companies offer retrenchment insurance as a benefit on other insurance policies, such as car insurance. When retrenchment cover is a benefit and not a standalone policy, it does not cover the insured’s salary, but rather covers the insured’s premiums for that cover.
• Income Protection Plan – paying benefits to policyholders who are incapacitated and hence unable to work due to illness or accident.

Short term insurance is the insurance you take out on your assets such as your car, your house and your household contents.

• Vehicle – Vehicle insurance is insurance for cars, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.
• Property – Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance and home insurance.
• Personal Liability – Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for. Personal liability claims could include medical bills, legal fees and more if a guest is injured on your property, as well as coverage for accidental damage you are legally responsible for on someone else’s property
• Travel – Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically

Commercial general liability insurance is a broad type of insurance policy which provides liability insurance for general business risks. Commercial General Liability is the specific name for a policy.

• Business Assets – Assetsare sometimes defined as resources or things of value that are owned by a company. Some examples of assets which are obvious and will be reported on a company’s balance sheet include: cash, accounts receivable, inventory, investments, land, buildings, and equipment.
• Merchandise – merchandisestore insurance can protect your business in many ways. While general liability coverage protects you against lawsuits brought on by customers and competitors, business personal property insurance covers the products in your store.
• Money – Insurance for Money. Money cover protects your cash, cheques, postal and money As well as other negotiable instruments.
• Lability Obligations – Liability insurance is insurance that provides protection against claims resulting from injuries and damage to people and/or property. Liability insurance policies cover both legal costs and any legal pay-outs for which the insured would be responsible if found legally

Retirement planning, in a financial context, refers to the allocation of savings or revenue for retirement. The goal of retirement planning is to achieve financial independence

• Retirement Annuities – A pension is a fund into which a sum of money is added during an employee’s employment years, and from which payments are drawn to support the person’s retirement from work in the form of periodic payments
• Pension Fund – A pension fund, also known as a superannuation fund in some countries, is any plan, fund, or scheme which provides retirement income. Pension funds typically have large amounts of money to invest and are the major investors in listed and private companies
• Pre and Post Retirement Planning – Pre- (saving for) and post-retirement planning (implementing a plan) information and tools to assist you to find quality solutions for your unique circumstances.

Estate planning is the process of anticipating and arranging, during a person’s life, for the management and disposal of that person’s estate during the person’s life and at and after death, while minimizing gift, estate, generation skipping transfer, and income tax

• Will – A will or testament is a legal document by which a person, the testator, expresses their wishes as to how their property is to be distributed at death, and names one or more persons, the executor, to manage the estate until its final distribution
• Estate – Is the act of preparing for the transfer of a person’s wealth and assets after his or her death. Assets, life insurance, pensions, real estate, cars, personal belongings, and debts are all part of one’s estate.

Investment planning is the process of matching your financial goals and objectives with your financial resources. Investment planning is a core component of financial planning. There are thousands of different investments. The most commonly used are cash, equities, bonds and property.

• Short/Medium/Long Term – Investing for the short, mediumand long term, regardless of what you are saving for, one of the most important factors for any investment is your investment time Investments that are short, medium or long term in nature each have their own implications and require their own approach to financial planning.
• Education Planning – Educational planninghas become very important because it makes sure an institution’s success. It takes into consideration the important issues, conditions, constraints, and factors in education. Its focus is on future objectives, vision, and goals. Importance of Career Planning.

The main aim of a pension or provident fund is to provide benefits for its members when they retire from employment. The fund also usually pays benefits when a member dies while still working, or is unable to work because of illness, or is retrenched

• Group Life Insurance – Group life insuranceis a type of life insurance in which a single contract covers an entire group of people. Typically, the policy owner is an employer or an entity such as a labour organization, and the policy covers the employees or members of the group
• Lump Sum Disability – Disability Lump SumDisability Lump Sum Cover pays you a lump sum if you cannot work because of a permanent illness or injury. This can be used to pay for once-off disability related expenses and the remaining funds can be reinvested to provide you with a monthly income
• Family Funeral Benefit – The days following the loss of a loved one are often the most trying for any family. Our Family Benefitpays a lump sum if a member or someone in their immediate family pass-away. This lump sum can help members and their families pay for funeral costs and any other immediate expenses.

Debt Counselling is intended to assist over-indebted consumers struggling with debt through budget advice, negotiation with credit providers for reduced payments and restructuring of debts. This is a great process for anyone with an income and struggling to meet their monthly obligations.