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For most clients this includes the cover on your car, home content, building and all risk items.
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Other specialist insurance products that fall under this and which we can assist clients with is:
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PI Cover for professionals
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Liability insurance for businesses - such as security liability for security companies.
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Medical malpractice insurance
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Kidnap and ransom cover.
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Prize indemnity insurance.
A lot of advisers advertise they can do long term insurance, but a lot of clients do not know what it is.
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Long term insurance is a category under which you can insure an occurrence which you know is a certainty, for example a person's death (life insurance)
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Long term insurance is a broad category as a lot of investment vehicles fall under this category.
The world of investment and financial risk management is a field on its own to specialize in. With our experience on the trading markets for years we can advise on the underlying risk and opportunity of the various unit trusts available.
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The list of available funds can be very intimidating. Having someone who you can match your vision with an investment vehicle is worth its value in gold!
For any person to come to a point where you work because you want to and not because you must, take careful planning. You will never achieve your retirement goal by accident.
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Planning does not stop the day you retire. Post retirement planning is just as important for you to get the most out of a life time's savings.
Fernco Financial Services understand the risk that every product aim to manage. Learn more from the specialist areas we can assist with example:
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Medical malpractice
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Security liability
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Drone insurance
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Prize indemnity insurance
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Pi cover especially designed for different occupations such as lawyers, vets, environmental practitioners and accountants.
Every business is unique in the risk they face. A broker who is thorough in his/her job can save a business not only in monthly premium, but can ensure the survival of a business after an insured event.
Medical aid is a major expense for most households. Getting advice on the best option for your family can make a very big difference in your life, when you must be admitted to a hospital for a planned or unplanned procedure. If you are a corporate client, you can investigate the possibility of group medical aid for your employees, this can set you apart as a prospective employer and can change your current employee’s life, with the advantages of group medical aid.
Saving for retirement is the most difficult thing you would ever do in your financial life. Setting up a pension fund for your employees, help them to budget for retirement saving and it sets you apart as an employer who cares for the future of your employees. Employees count on the retirement savings they build up during their working life as it plays a big role in their retirement planning.