AR Brokers: Protecting Your Future, Today.

Insurance Broker

082 467 3167

What we do

We ensure your peace of mind

A.R Insurance Brokers is a registered financial services provider, FSB Licence no: FSP7250. We are certified to advise clients and sell products from Liberty, Sanlam, Momentum and Discovery. Established in 2001 we have an excellent track record and many satisfied clients. Our staff are dedicated to providing our clients with sound advice and the best possible investment or insurance options to suit their needs and budget. Mr Ashwin Kowlas, our director, administers all transactions and ensures our clients receive the highest levels of service. He also undertakes to handle all claims and make’s this process as effortless as possible for our clients.

Life Insurance

Life insurance is designed to protect a family against the financial burdens that accompany the premature death of a breadwinner. Would your death pose such a hardship? If so, you have two get Life Insurance.

Life insurance is a contract between the policy holder and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. In return, the policy holder agrees to pay a stipulated amount (the "premium") at regular intervals or in lump sums. In some countries, death expenses such as funerals are included in the premium; however, in the United States the predominant form simply specifies a lump sum to be paid on the insured's demise.

The value for the policy owner is the 'peace of mind' in knowing that the death of the insured person will not result in financial hardship.

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war. A wide choice of life cover is available in the South African market. Term Life Insurance or Credit Life Cover would be ideal if you only want life cover for a certain period of time, i.e. while paying a bond on your house. Term Life Insurance is relatively cheap, but does not have an investment/cash value. When the agreed cover period have passed, the cover merely expires. Whole Life Cover expires after the policy holder's death or when you surrender the policy. Your premium is invested by the insurance company and you can borrow against the policy as soon as it has a cash value. Universal Life Cover has an investment component included. Your return on investment depends on the performance of the investment. The growth rate is not guaranteed, but rapid growth is a possibility.

Investment consultants

Unit Trusts should be part of any balanced investment portfolio. While Liberty Investments itself does not offer unit trusts, Stanlib is part of the Liberty Group and has a long unit trust history and a wide range of funds to suit any investment profile. For more details, please visit the Stanlib Website. Back to Liberty Life's range of investment products. If you do not have the expertise, time or money to invest in the stock market but still want exposure to shares, you should consider putting part of your portfolio into unit trusts. A unit trust is basically a large group of people who all invest -- sometimes small amounts -- in a cash pool that is used to buy specified stocks that otherwise would be too expensive for each individual. Each member of the pool purchases a share in the fund and is allocated units according to the amount they invest and the price at which the units are trading. Because your investments in the fund are spread over a number of different shares, the overall risk involved in trading on the JSE is reduced. Each fund is managed by a fund manager and you may be required to make monthly payments that are used to purchase additional shares. Your units can be traded like other stock market-related instruments and the price is determined by supply and demand. Prices are published live on the Internet or daily in the press. You can sell your units at any time and can realise the cash within a day or two. Do not be in a hurry. Unit Trusts are unlikely to show a profit overnight. Be prepared to invest for three to five years.

RetirementFundingAnnuity

It is never too late to start planning and providing for retirement but the earlier you start the process, the better.

Saving for retirement is easy, but saving enough to maintain your living standard after you stop working, can be a challenge, with inflation eating away at your precious nest egg.

Once you have retired, your income will come solely from your investments, savings, pension fund and retirement annuities.

We provide you with retirement annuity and preservation funds enable you to invest your savings in a portfolio that matches your risk profile.

FSB No. FSP7250 CK: 2001/046411/23

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