What you Should Ask:

*	Do I have cover in place should I be incapacitated or die to ensure the clearing of debt for my estate or to ensure the continuity of the business regarding any business partners, staff, family etc.?
*	What retirement planning options do I have for my employees and myself?
*	What medical aid options do I offer my employees?
*	Do I have cover for key employees in my company in case of death or disablement to counter any loss of income to the company at that time?
*	Do I have cover to ensure that if I pass away the company can pay out the value of my share of the business to my family or estate without affecting the cash flow of the company at that time?
*	Do I have tax-free investments to build up capital for future capital expenses e.g. retooling of production lines or general expansion e.g. replacing of fleets, of my business?

Why you Should be Asking:

*	A lot of companies find it a severe strain on their cash flow in the event of an owner or a partner’s death or disability, which could force the closure of the company.
*	Affordable and flexible options are available with regards to a company’s retirement and medical aid provisions for their employees. This can increase employees work satisfaction and loyalty to the company.
*	A loss of income can be incurred when a key employee is lost to the company due to death or disability.
*	There are ranges of tax-free investments, which are available to companies, which can be utilised for any capital expenses.

INTERESTED IN FINDING OUT MORE? – CONTACT ME ON

mwgarthh@iafrica.com AND I WILL CONTACT YOU PERSONALLY