The “silly season” is upon us. Accidents will most probably reach extreme heights – a lot of them fatal. But more accidents will leave people disabled – and even more Temporary Disabled.
Please don’t become a part of the statistics. Contact me to get you covered for Temporary and Permanent Income Protection before it is too late!
Cover And Claims With FMI 25.11.2013.
There is a perception in the market that FMI only covers individuals in manual trades like plumbing or construction but small business owners come from all walks of life and can suffer from a wide range of disabilities and illnesses. Want to know who’ve we covered and paid this year?
Who Have We Covered?
While our focus is on the self-employed, our income protection offerings cover a wide range of occupations from personal trainers to medical professionals. The following are just some of the occupations we covered last month –
| OCCUPATION | AGE | FMI OFFERINGS | COVER AMOUNT | MONTHLY PREMIUM |
| Legal secretary | 37 | TIP (Monthly) | R12 000 | R81 |
| EIP | R6 000 | R95.15 | ||
| Dread Disease Enhancer | R2 400 | R3.19 | ||
| TOTAL PREMIUM | R179.34 | |||
| Dentist | 36 | TIP (Primary) | R50 000 | R640.51 |
| TOTAL PREMIUM | R640.51 | |||
| Jeweller | 26 | TIP (Primary) | R6 000 | R84.09 |
| EIP | R6 000 | R57.62 | ||
| Dread Disease Enhancer | R1 200 | R4.52 | ||
| TOTAL PREMIUM | R146.23 | |||
| Bookkeeper | 27 | TIP (Quarterly) | R16 000 | R41.04 |
| EIP | R12 000 | R60.78 | ||
| Hospitalisation Enhancer | R3 200 | R1.13 | ||
| Retrenchment | R12 000 | R197.01 | ||
| Dread Disease Enhancer | R3 200 | R0.96 | ||
| TOTAL PREMIUM | R300.92 | |||
What Kind Of Claims Do We Receive?
In the insurance industry, the term ‘disability’ covers a wide range of illnesses or injuries that prevent a person from working and generating an income. The following are just some of the claims we’ve received in 2013…
| OCCUPATION | REASON FOR CLAIM | TOTAL PAY-OUT AMOUNT PER CLAIM |
| Mechanic | Injury to right knee, tendon, and finger | R82 543 |
| Dental technician | Metacarpal fracture of thumb | R44 384 |
| Artificial eye maker | Colostomy and hernia repair | R35 901 |
| Financial adviser | Breast cancer | R28 422 |
| Chartered accountant | Gastro enteritis | R21 041 |
| Pharmacist | Abscess | R10 849 |
| Tennis instructor | Removal of ovarian cysts | R10 356 |
| Psychologist | Knee replacement | R6 973 |
We believe that our claims record is proof of our commitment to claim certainty and we are proud to report a claims pay-out ratio consistently higher than 95% for the past 6 years!
Andries Maree
Email: Andries.Maree@4Sure.co.za
Cell: 081 270 5802
Tel: +27 (0)82 251 0698
Fax: 086 274 1004 &
+27 (0)88 044-873 3019
