All Life insurance is dedicated in the effort to pay out a large amount of money in order to provide financial security for your family members long after you have gone.
Get in touch
0861 45 00 45 / 011 907 0262
info@c-line.co.za
All Life Insurance
All life insurance compiled for you, so you can select the
best option that suits you.
It is possible to use this money to buy a home, to pay for living expenses and even to pay for an education. As well as covering you in the event of a death, life insurance can also pay out in the event that you become disabled or terminally ill. The amount of money that your funeral plan will pay out is usually much less than the amount you receive with your life insurance policy. That is because funeral covers are designed to cover the total cost of a funeral alone, and nothing more.
List of Services
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Estate PlanningList Item 1
In order to properly distribute your assets after your passing and to provide for your loved ones, creating a comprehensive estate plan is an important financial duty.
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Estate Provider Benefit, Life CoverList Item 2
Estate Provider Benefit (EPB) in a nutshell
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Calculation of Estate DutyList Item 3
The term estate duty is used to refer to the 20% tax that is levied on a deceased person's estate in accordance with the provisions of the Estate Duty Act (the "Act"). A portion of the deceased's estate that is dutiable is subject to the estate duty.
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Last Survivor Death Benefit, Life CoverList Item 4
Estate duty: Estate duty is generally only payable on the death of the second insured life. There is an opportunity here to cover estate expenses and to avoid the need to sell assets, and/or borrow money to cover such expenses due to the fact that this benefit provides funds to do so.
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Life Cover
The purpose of an estate plan is to ensure that your family will be provided for in the event of your passing. Planning for the future of your loved ones and family is of paramount importance when it comes to creating a legacy.
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Disability Cover
Depending on your level of disability, you may receive either a lump-sum payment if you are permanently unable to work or a percentage payment if you become moderately disabled.
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Criticall Illness & Drear Disease Cover
Do you know for certain that your family would be financially taken care of if you died tomorrow? If you do not have life insurance, you need to get one as it will provide a safety net for those family members who are dependent on your income in order to take care of themselves.
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Income Protection Cover
In the event that you are permanently or temporarily unable to work due to a disability, impairment, or illness, the disability insurance will pay you a monthly income.
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Modified Death Benefits
A Modified Death Benefit is a type of insurance policy that pays a claim amount upon the death of an insured.
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Funeral Cover
The funeral cover options available to you will be designed to meet your individual needs. There are a number of unfortunate events in life that are unpredictable, and no one really knows when they will occur, so it is definitely a wise decision to be prepared as soon as possible for these major life events.
LIABILITY INSURANCE MADE EASIER BY AN INSURANCE BROKER
LIABILITY INSURANCE MADE EASIER BY AN INSURANCE BROKER
STRUCTURING CONTINGENT LIABILITY INSURANCE
Few entrepreneurs are lucky enough to grow their business into a large enterprise without external funding or incurring debt. Many business owners therefore must sign surety on behalf of their businesses at some point. While this reality is something business owners must live with. It is risky to sign surety without contingent liability insurance. Our Insurance Broker can help you reduce the risk.
At worst, it can place the personal estate of the business owner at the mercy of creditors. Is to leave the remainder of belongings, if anything for his family to inherit. Most surety contracts bind the business owner as a co-principal debtor.
This means that the creditor can choose from whom he wants to claim repayment of the loan. So if one of the co-principal debtors dies, the creditors can claim from their estate. In the winding up of the estate, all creditors must be paid first. This means the business owner’s heirs only receive what is left after all claims and taxes have been paid. So, if there isn’t enough cash in the estate to repay creditors, the business owner’s assets, including his family home, can be sold by the executor. Call today to get our insurance broker to help mitigate the risk
STRUCTURING CONTINGENT LIABILITY INSURANCE
Few entrepreneurs are lucky enough to grow their business into a large enterprise without external funding or incurring debt. Many business owners therefore must sign surety on behalf of their businesses at some point. While this reality is something business owners must live with. It is risky to sign surety without contingent liability insurance. Our Insurance Broker can help you reduce the risk.
At worst, it can place the personal estate of the business owner at the mercy of creditors. Is to leave the remainder of belongings, if anything for his family to inherit. Most surety contracts bind the business owner as a co-principal debtor.
This means that the creditor can choose from whom he wants to claim repayment of the loan. So if one of the co-principal debtors dies, the creditors can claim from their estate. In the winding up of the estate, all creditors must be paid first. This means the business owner’s heirs only receive what is left after all claims and taxes have been paid. So, if there isn’t enough cash in the estate to repay creditors, the business owner’s assets, including his family home, can be sold by the executor. Call today to get our insurance broker to help mitigate the risk
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Contact
9 St. Columb Street, New Redruth,
Alberton, Johannesburg, 1448
Business Hours
Monday –Thursday: 08:00-16:30
Friday: 07:30-16:00
Saturday & Sunday: Closed
Care Line Group is an Authorised Financial Service Provider (FSP 24230)
