No Limited cover or benefits! 100 % peace of Mind

No Limited cover or benefits! 100 % peace of Mind

What is important? CD4 counts are important to determine the risk of a client and how we will offer cover, how much will we load the premium. When submitting cover for a client with HIV…viral load is very important! What can we provide to clients? We can  offer clients with HIV/AIDS cover who have  350> CD4 count + Viral load For clients on ART – two CD4 count readings which are at least 6 months apart will be required For newly diagnosed clients – We can consider cover after 12 months   Services provided by Care4U for clients Annual health screenings Chronic disease support Emergencies & Trauma View Greenlight HIV AIDS Infographic Contact Ginsburg Financial Services...
Disability Cover

Disability Cover

How would you survive if you could not work? Your ability to earn an income is crucial to your lifestyle. Your monthly salary allows you to pay off your bond, pay for your car, your living expenses, your children’s education, and even allows you to save for retirement.   Have you considered what would happen to you and your family if you became disabled and could not work? When you become disabled, not only are you no longer able to work, but you must now bear extra costs associated with your recovery and rehabilitation.   Did you know…. –          You are twice as likely to suffer a disability than you are to die –          A quarter of the people who suffer a disability will survive at least 20 years with their disability. –          The average disability claims lasts almost 8 years o   Male breadwinners take note: Males are twice as likely to suffer a disability than females –          Disability incidence rates have more than doubled in the last 20 years –          Smokers are at a significantly higher risk of disability than non-smokers   Disability insurance will replace the income lost when you get sick…… Contact Ginsburg Financial Services...
Lifestyle Protector

Lifestyle Protector

In our highly competitive world, the greatest gift that you can give a child is a good education. Their ability to keep learning and ultimately, pursuing their dreams can help set them up for a successful life.

Suicide and recognition of prior insurance

Suicide and recognition of prior insurance

Looking at a long Financial Year from July 2015 to now we have been busy with changes and financial ups and downs, not only in the industry we work in but also to the country we live in. Suicide claims have increased dramatically over the last 6 months, below a few stats on suicide in South Africa: