Long-term
Life, disability, and the planning around them.
The commercial short-term file is the centre of this site. Long-term products remain part of the practice: life, disability, key person, buy and sell, and the planning that sits with them.
The long-term book, listed plainly.
These are the long-term products MLS Brokers lists. We will not dress them up with projections or invented results. If one of these is the reason you are here, send a note. A broker will phone you.
Life cover
A lump sum on death, structured around who depends on you.
Disability and trauma cover
Income and capital if illness or injury changes the work.
Income protector
A monthly benefit if you cannot earn for a time.
Key person insurance
Cover on the people a business cannot easily replace.
Buy and sell insurance
Funding for partners when a co-owner dies or is disabled.
Retirement planning and provision
The vehicles that hold money for later.
Investments
Discretionary investment conversations next to the risk cover.
Estate planning
How the estate is meant to pass, including liquidity.
Trusts
Where a trust is the right holder of assets or cover.
Key person and buy and sell sit with the business.
For many commercial clients, the long-term conversation is not a family policy. It is key person cover on the people the business cannot replace quickly, and buy and sell funding so remaining partners can buy a deceased or disabled owner’s share. Those products belong next to the short-term commercial file, not in a separate world.
Retirement, investments, estate planning, and trusts are listed because we offer them. They need a proper conversation, not a web form pretending to be advice. Use the quote form to start. We will call.
Get started
Start with a phone call
Send the details of the risk, or call the Pretoria office. A broker will phone you.