Not having an income protection plan is like driving at high speed without wearing a seatbelt. You may think you’ll never get into an accident, but if you do, the consequences could be devastating, if not life and death. Just like wearing a seatbelt can save your life or prevent serious injury in a car accident, income protection can provide a safety net when unexpected illness or injury occurs and you not earning an income for months if not years. Without it, the financial impact can be just as severe if not devastating as the physical one, disrupting your entire life and causing even more stress and hardship for your family.
Thriving as the Protector Means
Earning Even When You Can't Work
And Guarantee Your Family's Security
The right way to Manage Risk!
(Even if you don’t want to go through a full planning exercise)
What is Income Protection?
Matching Income Needs to Your Expenses
Must Be
Cost-effective | Flexible | Protect
Secret One
Products are priced differently. Find a product that covers your short-term and long expense needs.
Secret Two
When life happens, you have the flexibility to choose a from a a 7 day waiting period up to 3 months. The longer the waiting period the cheaper the product. Experience shows, get the 7 day option.
Secret Three
Every provder has their own way of cover injury and illness. In needs-matched cover, they cover the highest mner of conditions from the start making it easier to claim.
IMAGINE LOSING YOUR INCOME FOR TWO YEARS AND NOT HAVING A SAFETY NET IN PLACE FOR YOU AND YOUR FAMILY
REMOVING UNCERTAINTY will be the right thing to do…
A 100 Year Plus Industry has Hardly Evolved Until Now!
“We know how hard you have worked to earn every cent, that’s why we suggest you only pay for what you need. Replace the bloated expenses, excessive profits and archaic processes with the latest in pricing tech.
And, since we take a disruptive view of life and health, we also disrupt the way you can own cover on yourself and assets. We believe that if you know how to protect yourself from any disease 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.
Guaranteeing the Highest Claim Payouts
Across the Widest Spectrum of Conditions
A 42-year-old businessman purchased his needs-matched cover in December 2017. He increased his cover from R13 million to just over R36 million. Unfortunately, he was diagnosed with stage 4 oesophageal cancer in October of 2021. With this degree of certainty, he qualified to receive his pay-out as soon as he was diagnosed and not have to wait it out.
- One provider would only pay if the client’s cancer resulted in terminal illness. On top of this - they have a 90-day survival period.
- Another provider would pay if his cancer diagnosis resulted in him being permanently confined to bed or a chair.
- At least four other providers wouldn’t have paid the client’s permanent disability claim on diagnosis alone due to various barriers to claim.
A young 39-year-old lady in management was diagnosed with arrhythmia (irregular heartbeat). This resulted in her having a operation in July 2016. She qualified for a 25% pay-out under her additional expense needs cover, which was paid in full.
In addition she 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 would pay out as much under their critical illness products.
- Only one other provider would have paid for both pathway ablations.
A 40 year old businessman was diagnosed with stage 4 pancreatic cancer. His health quickly deteriorated and he died just 25 days after being admitted to hospital. He was paid out in full on the diagnosis of cancer. His family was paid a recurring pay-out, until his spouse’s retirement age of 65 years.
- No other provider would pay out as much under their critical illness products.
- Since the client was in hospital for 25 days before he passed his spouse was paid to assist with the unexpected costs of him being in hospital. No other provider would have paid.
- Only 3 of the other 7 providers pay on diagnosis of stage 4 cancer. None would have paid as much.
Life Assurance Companies Pay Out
Billions in Benefits
R29,1 Billion in Death Claims Alone was Paid Out in 2021
Four Year Degreed+ Professional's Claims are Excessive
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
Given the Statistics and Experience, Most will Claim Living the Life they Live
The seriousness of illnesses like breast cancer or cancer’s that leave women and men unable to work, how important in these situations is protecting one’s income? Income protection will provide financial security and peace of mind during a time of great distress and uncertainty.
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
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 suffers Before they Die From Some Form of Cancer...
- 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!
We have Answers!
Ok, I’m Interested… What Next?
Choose Your Option Below and we Will Send you the Link
Remember to 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
- We will send you a like-for like comparison of your current portfolio
- Show your saving on a benefit-for-benefit comparison
- Benefits compared against your specific needs
- Using our risk management model, additional risk could be highlighted
- Portfolio improvements may be suggested
- Investment portfolio analysis if required
- Gain access to our business library folder of financial books worth over R10,000
- You may qualify for access to "The Health of Your Gut" course worth over R2900
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This Could Save Lives
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Saved Money
Company: Consult by Momentum
Advisor: Peter Smanjak
Financial | Health | Wealth
Areas We Work
- All things personal and enterprise risk
- Needs-Matched Cover - Cover that works for you
- Passive & Index investment portfolio's
- Lowest cost investment portfolio's
- Natural health interventions to improve health and reduce all insurance costs
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- The Little Book of Common Sense Investing
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- Complete Personalized Promise Bible on Financial Increase
Frequently Asked Questions
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.