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CITADEL INVESTMENT SERVICES PROPRIETARY LIMITED IS AN AUTHORISED FINANCIAL SERVICES PROVIDER.

Risk Cover

Because you are your own biggest asset.

PROTECTING YOUR SUCCESS

We understand what drives our clients. We know what they mean by success. We realise how hard-earned their wealth is, and we’re mindful of what keeps them up at night.

As a Citadel client, you have access to our expert financial risk management team. Few in the industry understand risk better. We assure your ability to earn, invest and grow wealth over time.

WE OFFER

Life, disability and dread disease benefits as part of your integrated financial roadmap. We do the same for our key corporate clients, assisting them with best-of-breed employee benefit solutions.

HOLISTIC VIEW

We examine your need for risk cover and insurance benefits based on an overall view of your entire asset base, including your investments, business interests and the employee benefits, which you may have in your portfolio.

MILESTONES

As your life changes, so too does your insurance needs. We meet your changing risk needs as you experience different chapters of your life.

LIFE COVER

We constantly strive to eliminate the financial uncertainties surrounding potentially harmful life-changing events. Life cover gives your loved ones money when they need it most.

We are able to accurately identify the level of cover and the term of cover you need. We base this on your current circumstances and future goals. We are here for the long term.

DISABILITY COVER

Provides you with an income in the event that you lose the ability to earn an income as a result of becoming disabled. There are a number of aspects we examine closely when establishing your need for risk cover. We start by examining if you are over- or under-insured, and if you have the most applicable benefits. Then we overlay our risk house view.

DREAD DISEASE COVER

Financial assistance for treatment and recovery from life-threatening disease.

Our approach to risk analysis allows us to effectively assess individual and business contingency requirements and make recommendations in respect of the ensuing solutions. There are a number of reasons for personal risk cover, these include: income reparation, debt settlement and estate planning.

EMPLOYEE BENEFITS

TANGIBLE BENEFITS

We can assist by crafting and implementing appropriately structured, cost-effective solutions that work for both employers and employees. This includes creating an in-house medical aid, or taking over the management of an existing scheme. We do everything from scheme benefit design and implementation to risk benefit solutions and investment consulting.