Niemand wil aan die dood dink nie veral nie as jy gesond is nie. Maar dink net wat sal gebeur as jy skielik sou sterf. Sal jou gesin sonder jou inkomste kan klaarkom? Sal daar genoeg geld wees?.

No one wants to think about death especially when you are young and healthy. But think about what would happen if you were to die unexpectedly. Would your family be able to cope without your income?. 

Hoeveel persoonlike dekking het jy nodig?

Om te bepaal hoeveel persoonlike dekking jy nodig het, kyk na jou persoonlike omstandighede en vra jouself af:

  • Hoeveel afhanklikes het ek? Dit is die persone wat ten vole of gedeeltelik op jou staatmaak vir bystand en sorg.
  • Watter tipe leefstyl wil ek vir my gesin gee?
  • Verdien my huweliksmaat 'n inkomste?
  • Sal my werkende huweliksmaat finansieel die mas kan opkom as ek nie meer 'n bydrae kan lewer nie?
  • Hoeveel uitstaande skuld het ek? (bv. huislening, motorpaaiemente, kredietkaart)
  • Kan my kinders se opvoeding sonder  my inkomste befonds word?
  • Het my gesin enige spesiale behoeftes, soos sorg vir 'n gestremde kind?
  • Sal my ouers  finansieel onafhanklik wees of sal my ouers moontlik van my afhanklik word vir bystand en sorg?
  • Beplan ek om in die toekoms kinders  te he?
  • Wat sal gebeur as ek skei?
  • As my voormalige huweliksmaat onderhoud moet  betaal, sal ek en my kinders dieselfde leefstyl kan handhaaf as hy/sy te sterwe kom?
  • Het my geliefdes genoegsame fondse om eksekuteursgelde,boedelbelasting en ander koste verbonde aan die bereddering van my boedel te dek?

How much personal cover do you need?

To determine the amount of personal cover you need, examine your personal circumstances and ask yourself these questions:

  • How many dependants do I have? These are the people who  fully or partially rely on you for support and care.
  • What  type  of lifestyle do I want to provide for my family?
  • Does my spouse earn an income?
  • Would my working spouse be able to cope  financially if I were no longer able to contribute?
  • How much outstanding debt do I have? (e.g. home loan, car instalments, credit card)
  • Can my children's education be funded without my income?
  • Does my family have any special  needs, such as caring for a disabled child?
  • Will my parents be financially independent?
  • Is it possible that my parents may become dependent on me for support?
  • Do I plan to have children in the future?
  • What if I get divorced?
  •  If my ex-spouse has to pay maintenance, would my children and I be able to maintain the same lifestyle if he or she dies?
  • Does my family have the funds available to pay executor's fees, estate duty and other costs involved in the administration of my estate?

Watter persoonlike dekkingsoplossings is toepaslik vir jou behoeftes?

Vir maksimum keuse en buigsaamheid kontak Procon om te help met oplossings.

Byvoorbeeld:

  • Te bepaal hoeveel persoonlike dekking jy nodig het.
  • Watter oplossing is die beste vir jou behoefte.
  • Spesifieke oplossings vir spesifieke behoeftes.
  • Geen mediese toetse wil doen nie.
  • Lang Termyn Versorging. LTC “Long Term Care” Gekoppelde dekking.
  • Glo dat jou gesondheid goed is,en vir nou eers net ongeluksverwante dekking wil he, maar beoog om later dekking te koop wat ten volle onderskryf is.
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  • Groot dekkingsbedrae nodig het om eise voortspruitend uit natuurlike oorsake en ongelukke te dek.
  • Die volle dekkingsbedrag vanaf die datum van aanvaarding wil laat geld, indien 'n eis ontstaan.
  • 'n Verskeidenheid persoonlike dekkingsvoordele benewens lewensdekking en fisiese inkorting verlang.
  • Vir premie-kortings via groot premies wil kwalifiseer.
  • Die laagste moontlike premie vir dekking wil betaal, vir beide ongeluksverwante en natuurlike oorsake.
  • Bereid is om die moontlike ongerief van volle mediese onderskrywing vir die laer premies te aanvaar.
  • 'n Besigheidseienaar is (koop-en-verkoop-dekking, ens.)
  • Dekking vir boedelbeplanningsdoeleindes nodig het.
  • Die broodwinner in 'n groot gesin is.
  • Behoorlik verseker te wil wees.
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Which personal cover solutions are appropriate for your needs?

For maximum choice and flexibility contact Procon to assist with suitable solutions.

For example;

  • To determine the amount of personal cover you need
  • What solution is most suited for your needs.
  • Specific solutions for specific needs.
  • If you don't want to do any medical test.
  • LTC. Long Term Care. Linked cover.
  • Believe you are in good health and want accidental cover now, but  intend to purchase fully underwritten cover at a later stage.

  • Require large cover amounts to cover claims caused by natural causes and accidents.
  • Require the full cover amount to be available from the date of acceptance should there be a claim.
  • Require a range of personal cover benefits over and above life cover and physical impairment.
  • Want to qualify for big premium discounts.
  • Want to pay the lowest possible premium for cover for both accidental and natural causes.
  • Willing to undergo full medical underwriting for the lower premiums.
  • Are a business owner (buy and sell cover. etc.)
  • Require cover for estate planning purposes.
  • You are a bread winner in a large family.
  • To be properly insured.

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Enige produk inligting [wetlik en / of tegnies] op hierdie webblad / tuiste is van tyd tot tyd aan verandering onderhewig. Hierdie webblad / tuiste 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. Procon. Procon in Pretoria.
Any product information [legal and / or technical] on this website is subject to change from time to time. This website 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.Procon. Procon in Pretoria.