Matching Your Needs Optimally
it doesn't get better than this!
The Needs-Matched Approach...
Save 30% Off Your Existing Premiums Now
(Without Having to go Through a Full Planning Exercise!)
Join Two million like-minded clients that Save 30%
2 Million+
Lives Insured
2,1 Billion
Annual Premium income
379 Billion
Total Cover amount
"YOUR OPPORTUNITY TO SAVE WHILE YOUR SLEEP"
Have You Ever Heard a Financial Advisor Instruct You to Reduce or Cancel Your Cover Because You Don't Need It? Well, That is What You Will Hear Here and the Reasons Why!
The Needs-Matched Secret Ingredients
Needs-Matched Pricing Methodology Considers the Following:
Secret One
Needs-matched pricing removes wastage in traditional pricing and instantly saves 30% of current premiums and creates a portfolio that produces best value for money!
Secret Two
When life happens, you have the freedom to choose a lump-sum or recurring payment which helps protect against further inflationary or investment loss. The most flexible benefits that pay out on multiples claim levels.
Secret Three
Knowledge of the needs-matched approach guides prioritisation in choosing whether you protect your income, your family, your assets, your future investment returns or all-in-one maximised efficient portfolio.
Deprogramming the Archaic Sales Gig
Using an Example to Illustrate How Cover Works …
A 100 Year Plus Industry has Hardly Evolved Until Now!
“With needs Matched Cover, we know how hard you have worked to earn every cent, that’s why we suggest you only pay for what you need. We replace the bloated expenses, excessive profits and archaic processes with the latest in pricing tech.
And, as we do life and health differently, we disrupt the way life insurance is done. We believe that if you know how to protect all diseases that could harm you or your family, you could reduce your premiums to the bare minimum over time and not have to purchase cover, never knowing when your number is up.
Lifestyle factors, when properly implemented, will protect you from 99% of all know diseases that are killing most people today."
Traditional Insurance vs Needs-Matched Cover
Cutting Out Bloated Profits and Pricing for Exact Needs Leads to a Massive Reduction in Premium
Traditional life insurance archaic approach to injury and illness cover is outdated. Most common injuries or illnesses that prevent you from earning an income will not be paid!
The Needs-Matched Approach
Simply Put
The Only methodology That Matches What You Need
and Gives You MORE for less
Needs-Matched in Action
And How Traditional Competitors Would Have Paid the Same Claim
Life insurance is used to protect your financial future should you suffer a serious illness or injury, or to look after loved-ones in the event of death. In this real case example, a 42-year-old businessman upgraded his policy from another provider and purchased his needs-matched cover in December 2017.
On inception of his new policy, the client was able to increase his permanent disability cover from R13 million to just over R36 million – what’s more, this was at a far more efficient premium.
Unfortunately, the client was diagnosed with stage 4 oesophageal cancer in October of 2021. Thanks to this added certainty, the client qualified to receive a his pay-out as soon as he was diagnosed.
- Another provider would only pay the client’s permanent disability claim if his cancer diagnosis resulted in him being permanently confined to bed or a chair for more than 50% of his waking hours.
- One provider would only pay his claim if the client’s cancer resulted in terminal illness, and they have a 90-day survival period for terminal cancer.
- At least four other providers in the industry wouldn’t have paid the client’s permanent disability claim on diagnosis alone due to various barriers to claim.
While saving 30% on your premium you also gain the right of claiming on more benefits, no other traditional provider can compare.
A 39-year-old manager was diagnosed with arrhythmia (irregular heartbeat), which resulted in her having a pathway ablation (a procedure that corrects an abnormal heart rhythm by cauterising an abnormal heart conduction pathway) in July 2016.
The client qualified for a 25% pay-out under her additional expense needs cover, which was paid in full. She was also booked-off work for almost a year and received a temporary expenses pay-out during that period (337 days). Another pathway ablation happened in August 2019, which qualified for a further payout.
- No other provider in the market would have paid out as much under their critical illness products.
- No other provider in the market would have paid out as much under their critical illness products.
- Only one other provider would have paid for both pathway ablations, but only at 10% (compared to the 25% paid for each claim).
The barriers to claim make it more difficult for you to claim when you desperately need the pay-out.
A 40 year old client was diagnosed with cancer in January 2019. The client, an accountant, consulted his doctor after suffering from abdominal pain, nausea and loss of appetite. He was admitted to hospital at the beginning of January 2019, where he was diagnosed with stage 4 pancreatic cancer.
His health quickly deteriorated and he died just 25 days after being admitted – he never left the hospital.
He was paid out in full on diagnosis of stage 4 cancer. His family was paid on his death which was arranged as a recurring pay-out, until his spouses retirement age of 65 years.
- No other provider in the market would have paid out as much under their critical illness products.
- Because the client was in hospital for 25 days before he died, his spouse was paid to assist with the unexpected costs of him being in hospital. No other provider would have paid.
- Only 3 other providers pay on diagnosis of stage 4 cancer under their permanent disability cover. None of them would have paid as much because of the way the client’s cover was structured.
Building your Needs-Matched Portfolio
Life Assured's Receive Billions in Benefits
The Past Two Years Demonstrate Multiple Reasons to be Sufficiently Covered
Corporate Professional's Claims are Astronomical
The 'professional's only' insurance company had a 15% increase in Sickness Benefits Paid and a 43% in Long term Disability Claims.
Income-Protection Specialist Assurer
- 17% increase in claims since Covid
- 18 days off work for the average Covid-19 claim
- 314 days off work for the average cancer claim
- 29% increase in sicknote claims due to Covid-19 infections
- 367 days off work for the average stroke claim
- 31.2% of claims were for minor infection during Covid-19
- 86% of claims fall within the 7-day waiting period
- 13% of claims were in the 30-day waiting period.
FMI 2020 Claims Report
The Importance of Cover
One Thing in Life is Certain, either a Claim will be Paid or Not
Momentum Metropolitan’s life insurance businesses paid R10.7 billion in death claims during the year, compared to an average of R5.6 billion per year preceding the pandemic
Noncommunicable diseases (lifestyle diseases) now make up 7 of the world’s top 10 causes of death, according to WHO’s 2019 Global Health Estimates.
https://www.who.int/news/item/09-12-2020-who-reveals-leading-causes-of-death-and-disability-worldwide-2000-2019
Preventing The Top Ten Diseases
It's Achieved Daily with Natural Interventions
Heart Disease
- Leading cause of death at the global level
- Destroying more people than ever before
- Heart disease deaths increased by more than 2 million since 2000, to nearly 9 million in 2019
- Men more likely to pass away from heart disease than women
- Children now suffer with Myocarditis
- Heart disease does not discriminate as 1 in 6 will die of heart disease
Cancer
- Cancer does not discriminate with age
- 3rd most common income protection claim
- Accounted for 3.1% of all claims paid
- Accounted for 40% - 54% of all critical illness claims
- Prostate cancer claims increase by 20%
- Most common severe illness of SA women
- Women are developing cancer from a younger age
Improve Your Health - Reduce Your Premiums
The True Essence of Our Work
The Largest Life Insurance Company in the Country Had this to Say About Illness
Cancer rates have been rising for more than fifty years. In fact, we are no closer to "finding the cure" for cancer than we were in 1971 when President Nixon signed the National Cancer Act to create and fund the National Cancer Institute.
1 in 4 People Reading This Will Die From
Some Form of Cancer Like...
- Breast cancer
- Melanoma
- Colorectal cancer
- Lung cancer
- Lymphoma
- Liver cancer
- Prostate cancer
- Kidney cancer
- Pancreatic cancer
How can the cancer industry funded by billions of dollars with the world's smartest researchers, scientists and doctors
be completely stumped by this disease?
At the current growth rate, in the near future, every person on earth will suffer from cancer.
Here’s the GOOD NEWS:
The answers to STOP CANCER are out there... if you know where to find them!
And we have been studying the natural path to preventing and healing cancer for over a decade now.
When you join our tribe of clients, you gain access to our network of natural cancer practitioner's and benefit from the direction and insights to prevent the diseases commonly referred to as lifestyle diseases...
Ok, I’m Interested… What Next?
Select your Choice of Option and Claim Your FREE Gift
Option One
The Quick Quote
- Take 1 minute to complete the form detailing your interest to quote
- We will communicate with you and schedule a few minutes to chat about what you require
Option Two
The Quick Compare
- Jot down your cover needs and we will send you a comparison of your savings
- Benefit-for-benefit comparison will be provided
- Benefits will be compared against your specific needs
- Using our risk management methodology and steps, identified will be highlighted
- Portfolio improvements may be suggested
- Where required, a review of your investment portfolio will be made available
- Gain access to our business library folder of financial books worth over R10,000
- Where we engage in assisting you, you will have access to "The Health of Your Gut" course worth over R2900
Option Three
The Full Monty
- Analysis of all overall financial portfolio and potential exposures
- Review of your will that it complies with the requirements of a valid will
- Review of your assets and liabilities
- Review of your investment portfolio for its risk return ratio, diversification and asset allocation
- Review of your tax planning strategy on donations tax, CGT, estate duty
- Review of your estate plan for succession, taxation, administration and how it aligns with your will
- Suggest improvement in your portfolio
- Review of your business entities and succession planning including business insurance, keyman and buy and sell agreements
- Review of your short-term covers for property, vehicles, business and where required for optimal pricing structures
- All activities of 'The Quick Compare'
- A consulting fee may be applicable
- Receive an additional financial and business books worth over R3500
- Should we do business, you have access to "The Health of Gut" course worth over R2900
- Should we do business, you have access to "The Corporate Athlete" course worth over R6900
Needs-Matched Tribe Statement
If you like us and 2 million believers of the needs-matched approach, we all stand on the idealistic view to finding a product delivered with integrity, honesty, innovation and the best value for our buck. We also believe that when we buy cover, the fine print needs to become the large print. With many claims being repudiated by some very established and 'so-called' forward thinking assurer's, we rather enjoy the peace of mind of being with an assurer that innovated and has led the approach to cover that meets our needs!
Quick Compare of the Options…
Benefit Offer
-
Analysis of all overall financial portfolio and potential exposures
-
Quote on individual requirements
-
Benefit-for-benefit comparison will be provided
-
Benefits will be compared against your specific needs
-
Risk management identification methodology highlighted risks
-
Portfolio improvements may be suggested
-
Review of your investment portfolio will be made available
-
Gain access to our business library folder of financial books
-
Access to "The Health of Your Gut" course worth over R2900
-
Review of your will that it complies with the requirements of a valid will
-
Review of your assets vs liabilities, cash succession and net-worth
-
Review investment portfolio's risk return ratio and asset diversification
-
Review tax planning strategy on donations tax, CGT, estate duty
-
Review estate plan for succession, and how it aligns with your will
-
Review business entities for succession planning
-
Access to "The Corporate Athlete" course worth over R6900
-
Option I
Option II
Option III
Really Helpful
Thanks Peter!
This Could Save Lives
Saved Money
Hey, I'm Peter Smanjak. I work in all things well-being: Financial , Health, and Wealth.
Our work and passion is to bring disruptive innovation to our clients in every aspect we work. Link to website.
Disruptive Areas We Work
- Needs-Matched Cover - Cover that works for you
- Lowest cost investment portfolio's
- Natural health interventions to improve health and reduce all insurance costs
3 AMAZING BOOKS
Yours Now When You Join Us!
LIMITED OFFER
LIFETIME CHOICE
- The Little Book of Common Sense Investing
- Personal Financial Planning for Executives and Entrepreneurs
- Complete Personalized Promise Bible on Financial Increase
FAQ's
We don’t need to partner as we have our fellow colleagues across 250 financial practices in South Africa.
We are licensed to consider the offer of any insurer or investment company in the country.
We also partner with functional and natural health practitioners. In our legal applications we team up with other attorneys and advocates.
This question has been the driving factor behind ongoing research into the escalating increase in health cost and financial portfolio’s. We live in a world that now believes in prevention ahead of cure, and their work is equipping you to safeguard your financial provision and health vitality by implementing subtle but important changes.
Our work is focused on root-cause analysis and needs-matched over. By following our method and steps, saving money is on the top of the list.
Once you have submitted your details, we or one of our top advisor’s who is assigned on your matter will present what is available in comparison to what you have now. In this way you are never left with less than you have. You will always be covered according to your needs and more with a 30% saving.
Because we also run a functional and alternative health consulting practice, our experts provide health guidance to get you back to the condition you were in your 20’s. Our focus is in alternative and natural medicine. Our courses in health will optimise your health no matter where you are. You need to make that decision and take the next step.