U-Smile Consultants
Insurance in Cape Town

Medical Aid too expensive? Need short term quotes - type http://9904.ix.co.za (no spaces) Do you have a Will? Does your family get to negotiate the Executor's Fee's or are your Estate paying the full +/- 4% ? Want to save money on insurance premiums? Or get more cover? Get that retirement planning started or that savings plan for your kids’ education?.

We do not believe that there is one company that has the best solutions to deal with all the money matters of one client. Combining the different products from various companies provides better cover and is more cost effective. U-Smile Consultants trades under the license of Atsphere Consult. 90% of the people who asked me to review their insurance got cheaper rates. It is more than just covering your car and building from theft or damage. You can be covered for the financial loss that you might suffer due to some interruption of the business. You can also get specific cover for your type of business e.g. If you have any dependants who will have to make major adjustment to their life if anything would happen to you, then you must have some life cover. No-one wants to leave their loved ones with bad debt and the possibility of adjusting to a much lower standard of life. Life insurance is cheap and it is one of the best investments that you can make for your beneficiaries. With this cover you protect your own future income. This is a different cover than the normal disability cover. With disability you need to proof the permanent loss of income. With income protector you will be covered for permanent loss of income as well as temporary loss of income. This is an essential cover for a person who runs his own business or who works for commission. They have the highest payout record (98%) for people with a claim. All of us know someone who suffered from some kind of dread disease and although they had medical aid, they still suffered major financial setbacks due to this disease. If you do not have cover for all the types of diseases you should at least have cover for heart attack (or other heart related diseases. Some funeral homes are not prepared to proceed with the funeral arrangements until they have the money in their hands. It can be very traumatic for the remaining loved ones to not only cope with the death of a loved one, but now they also have to stress on how they are going to get a big lump sum of money within 48 hours.