The needs of the client will drive the appropriate product offering.
Life insurance and Business Assurance will be offered based on the clients’ needs taking cognisance of premium pattern, affordability and extent of the cover required.
Investment products aligned to client’s risk profile and objectives taking cognisance of the following:
- Risk and return
- Diversification (local and global)
- Currency fluctuations
- Cost structure
- Taxation and estate planning
- Due diligence of underlying products, manager and supplier
- Suitability to clients’ needs and retirement planning
In determining the most suitable product for the client a due diligence process is undertaken on the product suppliers. Individual products are selected based on a set criteria of suitability and alignment to the clients’ desired outcome based on his risk profile and financial objectives.