Besigheid - Business 

1.Bedryfskostebeskerming {1.1 Enkelbedrag of 2.1 Voordeel maandeliks} 

1.1 Enkelbedragbetaling

Die onverwagte dood van die besigheidseienaar of een van die mede-eienaars kan die besigheid en kontantvloei in die besigheid tydelik in so 'n mate affekteer dat die besigheid miskien nie sy/haar bedryfskoste kan betaal nie.

'n Enkelbedrag-bedryfskostebeskermingsvoordeel voorsien die fondse wat die besigheid nodig het om sy/haar bedryfskosteverpligtinge na te kom nadat 'n besigheidseienaar onverwags gesterf het.

Voorbeeld

Move It (Edms) Bpk het verskeie langtermynverpligtinge ten opsigte van bedryfskoste aangegaan (bv. huurkontrak vir die perseel van hul besigheid). Die mede-eienaars van Move It (Edms) Bpk was bekommerd dat hierdie langtermynverpligtinge nie gedek sou word indien een of meer mede-eienaars te sterwe kom nie, aangesien hulle gesamentlik en afsonderlik aanspreeklikheid vir hierdie verpligtinge aanvaar het.

Om te voorkom dat dit gebeur, verseker Move It (Edms) Bpk die lewens van die mede-eienaars vir 'n bedrag gelyk aan die totale langtermynverpligtinge ten opsigte van bedryfskoste. Dit gee hulle gemoedsrus ingeval 'n mede-eienaar sou sterf. Die besigheid het ook die opsie om self op 'n belastingdoeltreffende wyse versekering teen die verlies van bydraes tot bedryfskosteverpligtinge aan te gaan.

>>>><<<<

1.Business overhead protection: {1.1 Lump sum or 2.1 Expenses Monthly}

1.1 Lump sum payment

The unexpected death of the business owner or one of its co-owners may temporarily affect the business and its cash flow position to such an extent that the business may not be in a position to pay its overheads.

A lump sum business overhead protection benefit provides the business with the necessary funds to satisfy its business overhead commitments after the unexpected death of a business owner.

Example

Move It (Pty) Ltd has signed various long-term business overhead commitments (e.g. lease of their business premises). The co-owners of Move It (Pty) Ltd were concerned that their long-term business overhead commitments would not be covered in the event of the death of one or more of the co-owners, as they signed jointly and severally.

To prevent this, Move It (Pty) Ltd insures the lives of the co-owners for an amount equal to the total long-term business overhead commitments, giving them peace of mind should a co-owner die. The business also has the option to insure itself against the loss of contributions towards business overhead commitments in a tax-effective manner.

______________________________________________________________________________________________________________________


2 Bedryfskostebeskermervoordeel

2.1 Maandelikse betaling

'n Onverwagte siekte of ongeluk van die besigheidseienaar of een van die mede-eienaars kan die besigheid en kontantvloei in die besigheid tydelik in so 'n mate affekteer dat die besigheid miskien nie sy maandelikse bedryfskoste kan betaal nie.

'n Bedryfskostebeskermervoordeel lewer beperkte maandelikse betalings aan die besigheidseienaar(s), gebaseer op hul bydrae tot omset, om hul bedryfskosteverpligtinge te dek terwyl die besigheidseienaar(s) of 'n sleutelpersoneellid tydelik nie tot die befondsing van die bedryfskoste van die besigheid kan bydra nie.


Uitgawes ten opsigte van bedryfskoste sluit die volgende in:

• Huur vir die besigheidsperseel• Water, elektrisiteit, telefoon• Gereelde onderhoudsdienste• Eiendomsbelasting en verbandrente vir die besigheidsperseel• Huurkoste van toerusting• Versekeringspremies• Boekhougelde• Salarisse van werknemers• Ander normale en nodige uitgawes.

Voorbeeld

Die besigheidseienaar John was bekommerd dat hy nie die bedryfskoste van sy klein tot middelgroot onderneming sou kon dek indien hy weens siekte of besering nie meer kon werk nie.

Om seker te maak dat sy gewaardeerde werknemers en krediteure nie as gevolg van sy tydelike afwesigheid uit die besigheid finansieel benadeel word nie, neem hy 'n bedryfskostebeskermer-voordeel uit.  Hierdie voordeel gee die besigheidseienaar gemoedsrus ingeval hy weens siekte of besering nie die daaglikse bestuur van die besigheid kan behartig nie, en stel die versekerde lewe in staat om ten volle op die rehabilitasieproses te fokus – sonder kommer oor die deurlopende administratiewe uitgawes van die besigheid. John het ook die opsie om die sleutelpersoon/-persone in sy besigheid met hierdie voordeel te verseker.

>>>>><<<<<

2.Business overhead expenses protection:

2.1 Monthly payment

An unexpected illness or accident involving the business owner or its co-owners could temporarily impact the business and its cash flow position to such an extent that the business may not be in a position to pay its monthly business overheads.

An Overhead expenses protector benefit provides the business owner(s) with limited monthly payments, based on their contribution towards turnover, to meet their business overhead commitments while the business owner(s) or a key member of their staff is temporarily unable to contribute to the funding of the running costs of the business.


Business overhead expenses include the following:

• Rent for the business premises• Water, electricity, telephone• Regular maintenance services• Property taxes and mortgage interest for the business premises• Equipment leasing costs• Insurance payments• Accounting fees• Salaries of employees• Other normal and necessary expenses

Example

Business owner John was concerned that he would not be able to cover the business overheads of his small to medium enterprise should he be unable to work due to illness or injury.

To ensure that his valued employees and creditors would not be disadvantaged financially as a result of his temporary absence from the business, he insured himself with an overhead expenses protector benefit. This benefit gives the business owner peace of mind when forced out of the daily running of the business by illness or injury, allowing the life insured to fully focus on the rehabilitation process without having to worry about ongoing administrative expenses of the business. John also has the option to ensure the key person(s) in his business with this benefit.

Source: Sanlam

Kontak Ons / Contact Us:
Omvattende Navraag / Comprehensive Enquiry:
Kontak Besonderhede / Contact Menu:


The representatives (if any) are not authorized to deal in any financial product, and / or in any financial product for own benefit where these dealings are based upon advanced knowledge. Such dealings will be done in conjunction with the product suppliers / providers / Insurance Company if required.

Any product information [legal and / or technical] on this webpage is subject to change from time to time. This webpage is a summary of some financial products / different product features and is not to be construed as advice by Procon Insurance Brokers. Any recommendations made must take into consideration your specific needs and personal circumstances.

Enige produk inligting [wetlik en / of tegnies] op hierdie webblad is van tyd tot tyd aan verandering onderhewig. Hierdie webblad is ’n opsomming van sommige finansiële produkte / verskeie produkte se kenmerke en moet nie as advies deur Procon Versekeringsmakelaars beskou word nie. Enige aanbevelings wat gemaak word, moet jou spesifieke behoeftes en persoonlike omstandighede in ag neem.