Assurance - replacing an asset

AJM Asset Management Strategies believes that the well-being of a family is threatened when a breadwinner is unable to earn an income as a result of sickness, disability or death. This includes the breadwinner's business commitments, as well as contractual arrangements with partners, staff and shareholders.

To thus quantify the level of cover required for a breadwinner to maintain the family's standard of living should circumstances change is thus a factor of the income that can be generated from the benefits on offer.

Add to that the settlement of any capital liabilities, and it is easy to determine what cover is required for an individual.

JM focuses on providing cover for the following events:

• sickness or partial disability
• permanent disability
• death

In the event that one of the above occurs, AJM will ensure that:

• The family's income is replaced
• Capital liabilities will be settled
• Investments in business are liquidated to the family
• Partners are protected from loss of income

AJM also offer other “insurable interests”, such as the full range of additional benefits that will pay out a lump sum for specific events, although these are usually only offered if such an event would have a significant impact on the core criteria for cover, which is replacing what is lost.

Assurance links and more

	Altrisk		Metropolitan Life
	Hollard Life		Sage Life
	Liberty Life		Sanlam
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