Insurance Companies | Life Insurance

Visas
Foreign Exchange
Property
Tax
Insurance
Banking

Visas

Intergate Immigration Service has an expert team of immigration consultants and certified Home Affairs practitioners. The team has the latest knowledge on immigration legislation and has well established researched information on expected relocation procedures and changes.

Foreign Exchange

Exchanging money can be a daunting experience. Our well-informed experts can save you avoidable charges. Incompass Financial Solutions will guide you through the exchange process. The experts will advise you on the best solutions, whether it is a lump sum of money or a staggered monthly transaction.

Property

SA Homebuyers has been established with the aim of providing a sophisticated property buyers service. Acting as an independent property consultant, the service provides an unashamed bias towards protecting the buyers interest and assists in securing you the right property, in the right area and at the best price.

Tax

Seeking tax advice is never high up on anyone's shopping list, however the perception that tax advice is a necessary evil is not always correct. Yes it is true that tax advice helps you to comply with legislation and ensures compliance but it can also offer the opportunity to structure your affairs in the most tax advantageous fashion.

Insurance

Whether it is house and home, car insurance, medical aid or commercial cover, Incompass Insurance offers a free and independent assessment on your specific insurance needs. Furthermore, Incompass Insurance is one of the biggest guest house insurance brokers in South Africa.

Banking

Opening up an appropriate bank account in South Africa often proves more difficult than you may think. We are able to provide our clients with advice on local banking, cash accounts for lump sums and Swiss banking.

Information on Life Insurance

Any existing life insurance – these can be worth keeping as rates and benefits may be superior to any new option. However, care must be taken as certain exclusions maybe within the terms and conditions – such as if you move abroad certain benefits not being payable (this is particularly the case on disability and income protector benefits).

Life insurance rates – it may be cheaper to put South African based cover into place.

Exchange rates – the rand fluctuates immensely and in the event of it weakening any foreign denominated cover would increase in price.

Feasibility life insurance payments outside of South Africa – for clients wishing to retain life cover and other style protection policies abroad arrangements need to be made to ensure sufficient funds are in place to pay for these policies. The practicalities of having to arrange for regular transfers, often smallish ones, from South Africa to your home country can be tiresome and expensive.

The ease of making a claim on your life insurance – in the unfortunate event you or your dependants need to make claim legalities such as probates and wills, along with geographical constraints of actually submitting and processing such can mean delays, causing immediate cash shortages.

Ongoing advice – having your protection arrangements in place in another country makes the job of regular reviews and service very difficult. Not only will your personal situation change regularly requiring updates, but new options and rates are often prevalent in this particular market.

Differing Tax Treatment – what may be tax free or tax attractive abroad may well be the opposite in South Africa.

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