Life and Credit Life Insurance
Credit life insurance is a decreasing term policy taken out by the consumer to cover the risks of a specific debt. The benefit reduces on a yearly basis as your debt reduces and is valid for the whole loan contract period. The benefit of this type of cover is that unlike most life policies, you are not required to provide evidence of good health.
However the application for this type of cover requires that you disclose any medical conditions that you are suffering from or that you may have suffered from previously.
This cover protects your dependents from having to pay for your debt. Credit Life Insurance not only pays in the event of your death, but may cover you in the event of you becoming disabled (occupation based) leaving you medically unfit for work, in order for you to earn an income and service the debt.
UNIGRO Insurance brokers furthermore have the expertise to assist you or your business with Medical Aid Solutions, Personal Financial Planning, Risk Planning, Estate Planning, Game and Wildlife Insurance and Wealth Creation requirements. These services are summarised below. We would welcome a personal consultation to discuss these services and your require
Personal Financial Planning
Your retirement plan and ongoing financial plans are vital. We assist you with advice on financial protection, concepts and goals. We then match product and investment structures to suit your individual needs.
Risk planning is essential for all, especially those with dependents and debt obligations. We can assist in analyzing your current risk position and creating tailored Life insurance, disability insurance and dread disease insurance options that mitigate these risks and provide financial peace of mind.
This aspect is often neglected and through our network of consultants we can ensure that you have a regularly reviewed and updated estate plan.
Retirement can be costly and most often your current retirement policy will not be sufficient, this can be supplemented via wealth creation through structured cost effective investments.
Game and Wildlife Insurance
UNIGRO Insurance Brokers has expertise in ensuring that you are covered with regard to capture cover, 30-days veld or boma cover, auction cover, post release stress, limited all risk cover and transit cover.
Game breeding has become big business in South Africa with animals ranging from tens of thousands to millions of Rands per animal. We offer comprehensive cover for your breeding animals ranging from accident, diseases, forces of nature, malicious damage or poaching, capture, auction and past release cover.
Farm & Game Lodge Insurance
Essential insurance for every farmer and every farm. Cover against fire, flood, malicious damage, third party damage, liability, vehicles and equipment.
Insure your rifle, bow, shotgun, handgun, scope from as little as R50 per month and get free Liability insurance worth R10 million. We also provide personal accident and medical evacuation cover for those dangerous game hunts. You can even insure against wounded animals (kwesbok) penalties.
Group solutions where buying in bulk makes a significant difference to cover and price. This cover is only available as a member of a hunting organisation, where the organisation takes out this cover for its members. Exclusive to UNIGRO, we can provide R50 million public liability cover in the event you are held liable for damage including R1 million legal defence costsl as well as motor, personal accident or medical evacuation group cover.
The benefits of using our services
- Consolidating all your insurance requirements
- Expert advice based on your needs
- A dedicated administration team
- Assistance with regards to compliance with legislation
- Industry updates on a regular basis
We pride ourselves in
- The best advice based on your needs
- Putting our clients first
- An excellent administration team is always available to help and advice where needed
- Efficient processing