Where 2 or more partners own shares in a business and one of the partners dies, the surviving partners are required to come up with the cash to purchase the shares from the Deceased Partner’s Estate. If they do not have the funds, the deceased partner’s estate may sell the shares to an outside party or the business may have to be liquidated. Accolade provide a plan utilising life policies to ensure that the cash is available to pay the deceased estate, ensuring the deceased’s heir’s receive value for the business and the surviving partners can continue the business.

Where a business is dependent on the expertise and input of an employee to run properly and that person dies or is disabled the business will need cash deal with the disruption and financial loss including to replace the lost turnover and recruit and train a replacement. Accolade provide life policies to ensure that the cash is available to the business in order to make up for loss of a valuable staff member.

We provide cover for a business to ensure that their assets are protected in the event of the loss of premises, office equipment, business interruption, data, vehicles and any other item of value which, if lost, would damage the wealth of the business. We also provide protection against third party claims and loss of income.

Where a business has been lent money by a shareholder we utilise a life policy to allow settlement of the loan in the event of the shareholder’s death or disability.

Choosing the right medical aid can be confusing, with numerous plans and benefit options available. At Accolade, we help you compare medical schemes and select cover that suits your healthcare needs and budget.

Whether you are joining a medical aid for the first time, changing schemes, or reviewing your current cover, our advisers provide professional guidance to help you make informed decisions.

We believe that quality healthcare protection should be both accessible and affordable, giving you peace of mind when you need it most.

Medical Gap Cover provides additional protection against shortfalls that may arise when medical specialists charge more than your medical aid pays.

Our advisers can help you choose suitable gap cover that works alongside your existing medical aid, helping to reduce unexpected medical expenses and providing greater financial security.

With the right cover in place, you can enjoy added peace of mind knowing that you and your family have extra protection when it matters most.