WELCOME TO LAKSHMI BROKERS
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-We offer two of the largest open medical aids, Discovery Health, Fedhealth and Profmed for PPS clients.
We offer to do a brief analysis to determine your exact needs. We also offer GAP Cover to cover hospital stay and procedure shortfalls.
we offer insurance from all the major short term insurers such as Santam,
Mutual and Federal and various underwriting managers representing a host of insurers. Appropriate cover is determined once a needs analysis is done.
- we are accredited with the major loss of income insurance specialists such as PPS, Sanlam, Old Mutual, Discovery, Liberty etc. The level of cover is determined for a client after a needs analysis is performed.
Following on from a detailed needs analysis, the right amount of death cover is determined in conjunction with your estate plan and your latest will.
SHORT TERM ENSURANCE
LOSS OF INCOME ENSURANCE
DEATH AND ESTATE
We are able to calculate fairly accurately your retirement needs depending on your age at which you wish to retire as wells as the level of income that you wish to retire on.
Once your needs are calculated we are able to set your retirement plan in motion
Once having determined your savings needs (children’s education, holidays, discretionary money etc.)
We are able to structure competitively priced products to suit your needs, taking into account the tax efficiency, liquidity and your appetite for risk. Products used will include Unit Trusts, Exchange Traded Funds, Endowments (suitable for high income tax payers).
- Estate planning is generally done when doing the death needs analysis. From time to time estate planning professionals are able to consult you on our behalf.
we are able to assist you in drafting simple wills.
Contact our office for a template of a simple will.
MEET THE LAKSHMI TEAM
041 373 3337
041 373 8053