Besigheid - Business 

1 Leningsrekeningaflossing {1.1 Kredietlening &  2.1 Debietlening}

Dit kwantifiseer die huidige voorsiening wat die besigheid moet maak om sy leningsverpligtinge op ‘n toekomstige datum terug te betaal.

1.1 Kredietleningsrekening

Die kapitaalstruktuur van 'n besigheid sluit gewoonlik 'n lening in vanaf die besigheidseienaar. Dit word 'n kredietlening genoem. Die besigheid kan in 'n finansiële verknorsing beland indien die eienaar sterf of permanent ongeskik raak en die besigheid dan nie die lening kan terugbetaal nie.

Die kredietlening kan gedek word deur 'n versekeringsplan wat 'n sterfte- en/of permanente ongeskiktheidsvoordeel insluit. Die struktuur wat gebruik word om die lening te dek, kan 'n plan wees wat deur die besigheid besit word, of die lening kan by die koop- en-verkoopooreenkoms ingesluit word, wat tot gevolg het dat die kapitaalstruktuur van die besigheid beskerm word.

Voorbeeld

Na 20 jaar diens in die formele sektor gebruik John die opbrengs van sy voorsorgfonds om sy eie besigheid te begin – Move It (Edms) Bpk, 'n vervoeronderneming.

Om te verseker dat die besigheid die aanvangskapitaal by John se dood of permanente ongeskiktheid kan terugbetaal, gaan die besigheid 'n suiwer risikoplan aan vir 'n bedrag gelyk aan die totale bedrag wat aan John geskuld word. John het ook die opsie om die lening aan die besigheid by 'n koop- en-verkoopooreenkoms in te sluit.

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1 Loan account redemption {1.1 Credit loan & 2.1 Debit loan account}

Quantifies the current provision that the business must make to repay its loan account commitments at a future date.

1.1 Credit loan account

The capital structure of a business usually includes a loan, also known as a credit loan, from the business owner. In the event of the owner’s death or permanent disability, the business could face financial distress as it may not be in a position to repay the loan.

The credit loan can be covered by an insurance plan that includes a death and/or permanent disability benefit. The structure used to cover the loan can either be a plan owned by the business or the loan can be included in the buy and sell agreement, resulting in the capital structure of the business being protected.

Example

After 20 years of formal employment, John used the proceeds of his provident fund to start his own business, Move It (Pty) Ltd, a transport business.

To ensure that the business is in a position to repay the start-up capital on John’s death or permanent disability, a pure risk plan equal to the total amount owed to John is taken out by the business. John also has the option of including the loan made to the business in a buy and sell agreement.

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2 Leningsrekeningaflossing

2.1  Debietleningsrekening

'n Besigheid leen soms geld aan sy eienaar, in die vorm van 'n debietlening. Die besigheid loop dus 'n risiko dat die lening by die dood of permanente ongeskiktheid van die eienaar nie terugbetaal word nie, met voortvloeiende skadevergoeding wat van die oorblywende eienaars geëis word.

Die debietlening kan gedek word deur 'n versekeringsplan wat 'n sterfte- en/of permanente ongeskiktheidsvoordeel insluit. Die besigheidseienaar is die eienaar en betaler van die plan op sy/haar lewe.

Voorbeeld

Die besigheidseienaar John moes 'n muur om sy persoonlike eiendom oprig om sy gesin se veiligheid te verseker. Aangesien hy dit nie self kon befonds nie, het hy R100 000 by die besigheid geleen.

Om te verseker dat hy die uitstaande skuld by sy dood of permanente ongeskiktheid aan die besigheid kan terugbetaal, gaan hy 'n plan op sy lewe aan vir 'n bedrag gelyk aan die uitstaande bedrag, en sedeer dit by wyse van 'n sekuriteitsessie aan die besigheid. Indien John sterf of permanent ongeskik raak, sal die uitstaande skuld vereffen word.

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2 Loan account redemption

2.1  Debit loan account

A business sometimes lends money to its owner, also known as a debit loan. The business therefore faces a risk that the loan may not be repaid on the death or permanent disability of the owner, leading to consequential damages for the remaining owners.

The debit loan can be covered with an insurance plan that includes a death and/or permanent disability benefit. The business owner is the owner and payer of the plan on his/her life.

Example

Business owner John needed to build a wall around his personal property to ensure the safety of his family. As he did not have the means to fund it himself, he borrowed R100 000 from the business.

To ensure that he can repay the business the outstanding debt on his death or permanent disability, he effects a plan on his life equal to the outstanding amount and cedes it via a security cession to the business. Should John die or become permanently disabled, the outstanding debt will be settled.
Source: Sanlam

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