Wealth Protection

Risk Insurance

Salvo Capital is committed to providing dependable risk insurance and advice which consist of the following sections:

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Personal Risk Insurance

Salvo Capital follows the industry approved 6 step Financial Planning Process to ensure sufficient capital provision by way of life insurance, disability protection and critical illness benefits and will thus ensure that cash resources are available to timeously settle liabilities, taxes, expenses and other costs without the need for any individuals to sell any assets.

Estate Planning

Estate planning is the process of anticipating and arranging for the disposal of an estate during your life and forms an integral part of personal risk insurance. Estate planning typically attempts to eliminate uncertainties over the administration of an estate and maximize the value of the estate by reducing taxes and other expenses.

An up to date will must be kept to ensure that the winding up of the estate is done without any unnecessary delays.

The relevance of a family trust and or business trust must also be taken into account during the estate planning process.

Business Contingency Plan

A very efficient way to ensure business continuity and buy out of a partner’s shares is by means of a risk insurance policy.

The most common business insurance types are:

Buy-and-Sell Agreements

This refers to an agreement between the members of a business entity, obligating themselves to sell on their deaths or disability their interest to the survivors and likewise obligating the survivors to purchase the deceased member’s interest.

Care must be taken in the structuring of this agreement as certain criteria must be met for the policies not to form part of the deceased member’s estate.

Key person Insurance

This refers to policies taken out by an employer on the life of an employee with the purpose of compensating the business for the loss it will sustain should the employee die or become permanently disabled. The plan guarantees that cash will be available to absorb any disruptions to the business, protect existing credit facilities and provide the necessary funds for the recruitment and training of a replacement.

Salvo Capital is contracted with the following risk insurers

Momentum, Sanlam, Liberty, Old Mutual, PPS, Hollard Life and FMi.

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Short-term Insurance

Salvo Capital offers an extensive range of short-term insurance options from reputable institutions that share the Salvo values. Short-term insurance options include: Personal Insurance, Commercial Insurance and Agricultural insurance cover from a range of leading insurance providers. We can also arrange optional cover to boost our client’s insurance benefits.

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We build our business on honesty, integrity and trust, but what makes us unique?

  • We do insurance with the correct intention and values
  • We take action
  • We get positive results

We are in a competitive industry and we ensure that we offer a tailor-made service to each of our clients. Every client is unique and so their your needs.

Services that we provide

  • Listening to our clients and what their requirements are
  • We can source the best quotations with the best prices within 48 hours
  • Changes can be made to existing policies that suites your budget
  • We view new and existing business with care and commitment
  • Annual renewal of policy will be sent to the client or an appointment will be made if required
  • We register claims on behalf of our clients and continuously follow up the progress of the claim/s. Feedback on the progress of the claim will be given to the client via telephone, email or SMS to keep them updated
  • Dedicated broker services

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