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In2 Long-term Insurance


Would your family be financially secure in the event of a life changing circumstance such as, if you became disabled, critically ill or even died?

At In2 Insurance Brokers we offer financial solutions designed specifically to meet your unique needs as well as fit in with your lifestyle and budget. Our Representatives understand that death and disability are not things we like to think about, but as your financial Representatives, we can assist you in securing the future for you and your family NOW.

Life cover

As individuals, our needs, risks, and desires differ. Therefore our In2 Insurance Representatives will assist you to work out how much death cover you should have according to your unique circumstances and the future needs of your family. We are then able to calculate the level of income your current life cover will provide and how much additional cover you need in order to meet your dependants’ specific future income needs. When structured correctly, Life Cover benefits can be the replacement income for the income you would have provided for your family whilst still alive. Consider the following:

  1. What will happen to your spouse or children if you die?
  2. Would your spouse be forced to sell the family home due to inaffordability and lack of money?
  3. Do you have sufficient life insurance to replace your income so your dependents can continue with their lifestyle, schooling and even, tertiary education?

Disability cover

Have you considered how you would sustain yourself financially if you became disabled or so ill that you could no longer work for a period of time or even indefinitely?

Disability, whether partial, temporary or permanent, can affect your family emotionally and financially. Based on your future financial needs, In2 Insurance can recommend a comprehensive disability insurance product. Disability cover pays benefits if you cannot work and will vary depending on whether permanent injury or the level of severity. The lump sum or monthly payment can help you and your family stay financially secure.

 Your chances of having a car accident are 1 in 100. More than 150,000 people are injured on the road each year.

 Severe Illness cover

This is also referred to as Critical Illness or Dread Disease cover and is designed to pay out a lump sum on diagnosis of and/or impairment resulting from a critical illness or trauma-related event. When someone is diagnosed as having a serious illness, it often means that they are unable to work any longer or may not be able to work for several months. The problem is that, as a result of these life changing events, the requirement for money is just as great and if anything, can become greater.

Consider the following:

  • If you are diagnosed with a severe illness, your ability to work may be diminished and your lifestyle may need to change hence the reason for such cover.
  • Critical illness (or dread disease) cover replaces your income and covers additional medical costs as a result of you contracting a severe illness. Unlike death cover, severe illness cover is based on the life assured (you) and not your dependants.
  • Severe illness cover offers financial protection against illnesses, such as heart attacks, cancers and strokes and can also cover clients who have been injured as a result of an accident, for example paraplegia, burns and brain damage. If you do qualify for a severe illness benefit the amount will be paid out to you as a tax-free lump sum and you will be free to decide how the funds are used.
  • The funds paid to you from a claim can assist you in offsetting any shortfalls on your medical aid claims settlements or help with your additional expenses and any reduction in income that you may experience as a result of being out of work for a period of time.

Income Protection cover

What would you and your family do to replace your income should you be unable to work anymore, be retrenched, or be temporarily unable to work?

Your ability to earn a future income is your biggest asset. We have access to the industry’s most comprehensive and holistic income protection solutions ensuring that you can have suitable protection in the event that you cannot earn an income as a result of an unfortunate circumstance rendering you unable to work, permanently or temporarily.

  • The income protection cover is an occupational disability benefit that will provide you with a monthly benefit / payment of up to 100% of your current taxable income if you become temporarily or permanently disabled due to injury, illness, operation, accident, or disability and are therefore unable to work.
  • Income protection can assist you by ensuring that you receive payments that make up for the remuneration lost because you might have to take unpaid leave once the sick leave available under your employee benefits, has been used up or, it can cover any income shortfall that arises when your employer’s Group Scheme payout does not match your normal salary
  • If you have a spouse and/or children, or others, who are financially dependent on you, this cover is critical. It also allows you to manage your income shortfall in the event of injury, illness, or disability. If this occurs, this benefit safeguards your monthly income, giving you and your family the vital reassurance of financial security.

Policy Protection cover

The primary reason for taking out any insurance policy is to cover risk and to make sure that your family’s financial future will be secure if anything happens to you. If, for any reason, you stop paying your contributions, your contract will lapse and you will lose your cover and benefits. If your circumstances change suddenly and you experience a loss of income following retrenchment or disability and can no longer pay your insurance contributions, you would risk losing all the protection you have taken out against death, disability, impairment, and critical illness.

A further risk is that you may not be able to take out a new contract in the future due to change in your health – you may have become uninsurable, be subject to exclusions or have to pay substantially higher contributions.

Education benefits

If you die or become disabled, this benefit ensures that your children’s’ education will be taken care of – from pre-primary school right through to the completion of their first tertiary degree or qualification. This is added to most Life Policies at minimal cost.

Funeral benefits

Statistics show that a massive 42% of the population does not have funeral cover.

 If you haven’t made provision for your funeral, your family will have to pick up the tab – and if they don’t have access to large amounts of ready cash, this will certainly add to their grief.

A very basic funeral costs about R12,000 but costs can extend into hundreds of thousands of Rands.

 It is therefore important to make financial preparations ahead of time ensuring that your loved ones are not burdened with the costs of your funeral or any other end of life expenses. A funeral plan, accident plan and life cover can be the foundation for your family’s financial protection.

Cover yourself as well as your immediate and extended family with our range of funeral plans.

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