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Risk Benefits (Life, Disability, Dread Disease)

Personal Risk Insurance

Sufficient cash injections by way of life insurance, disability protection and critical illness benefits will ensure that cash resources are available to timeously settle liabilities, taxes, expenses and other costs without the need to sell assets.

Business Contingency Plan

The business insures the life of the member who has signed surety or provided personal security for the loan affected by the business. The business pays the premiums and an agreement is entered into between the business and the member in terms of which the business undertakes to apply the proceeds of the policy to the replacement of the loans giving rise to the personal guarantees given by the member.

Key person Insurance

This refers to policies effected by an employer on the life of an employee with the purpose of compensating the business for the loss it will sustain should the employee die or become disabled prematurely. The plan guarantees that cash will be available to absorb any disruptions to the business, protect existing credit facilities and provide the necessary funds for the recruitment and training of a replacement. Capitaux prides itself on its comprehensive 6 Step Financial Planning Process.

Estate Planning

Estate planning is the process of anticipating and arranging for the disposal of an estate during your life. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Guardians are often designated for minor children and beneficiaries in incapacity.

Buy-and-Sell Agreements

This refers to an agreement between the members of a business entity, obligating themselves to sell on their deaths or disability their interest to the survivors and likewise obligating the survivors to purchase the deceased member`s interest.

Last Will and Testament

It is imperative that every individual has a last will and testament.
As part of our comprehensive service to clients, we assist with the structure and also the review of existing last will and testaments.
We do the administration of deceased estates through Hoski Linde Deceased Estates.

Personal Risk Insurance

Contact Hoski Linde for more information regarding Medical Insurance.
It is a well-known fact that medical aids are unaffordable to many South Africans.
We, in partnership with Umbrella Creation and Unity Health, now offer clients the opportunity to provide their employees with the following:

The package ensures that your organisation’s employees will get the best hospital benefit for their families in case of an accident.