Life insurance provides cash to your family and dependents after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like daily living expenses, mortgage payments and educational expenses. There is no income tax on life insurance or critical illness benefits.
Let Dr Sanjay show you the best type of protection to get for yourself and your family so you can focus on your work and let insurance take care of the rest!
Wealth Management is the process of maintaining and protecting a persons financial assets. Essentially, there are six types of assets:
Using data driven technology, Dr Sanjay and his team can help you determine the best mixture of financial portfolio which has been proven to be effective across 3 generations.
Dr Sanjay Can Help You With The Following:
Fire & Burglary
Group Life & Medical Insurance
Key Man Insurance
Income & Credit Insurance
A sound estate plan is not only a ‘will’ – it encompasses financial, tax, medical and business planning. It incorporates real estate, insurance, investments, bank accounts, stocks or bonds, gold, jewellery, or any other asset that is of high value and quantifiable.
One of the most important part of estate planning is “Hedging” the Estate. Most portfolio’s are hedged using “options” or “derivatives” , to hedge an estate plan, the family needs to secure the Human Capital which can be difficult to quantify.
Dr Sanjay and his team will spend time understanding your needs and desire. They will craft the best plan for you, so your next generation can leverage on your wisdom to grow further!
When a person dies without a Will, or dies “intestate”, as the law calls it, the property of the deceased is distributed according to a formula fixed by law. In other words, if you do not make a Will, you do not have of any say as to how your property will be distributed.
An ” Estate” applies not just to real estate, but any cash in a bank accounts, cars, furniture, books , bonds, jewellery, family heirlooms, works of art…any property anything at all owned by you.
A will should be made while the maker is in good health, free from emotional stress. A prudent person does not wait for a catastrophe or other compelling reason before making a decision. If you have children and you and your spouse die, do you want to name the guardian of your children, or do you want the court to appoint one? If you do not have a Will, the court, by law, will appoint the guardian.
Dr. Sanjay has been recognised as a world renowned speaker who has spoken in 6 continents across many Universities and Global Conferences on Economics, Investments, Insurance, Risk Management & Sales Management. He has also been profiled on many media networks across UAE, North America, Europe, India and South East Asia.
He is one of the MOST POPULAR speakers when it comes to financial planning education. With over 1 million views on his youtube channel on financial planning, Dr Sanjay constantly seeks new opportunities to educate the general public on the importance of proper financial planning.
It is his hope that financial planning can simple understand for everyone!
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As we edge closer to 2019, think back to all your ups and downs, and really analyse if you have done well for yourself in 2018. If not, I would like to help you help yourself in 2019 - it's time to improve and bounce back!
Let me show you how to do a proper financial planning for yourself and others. Drop me a quick message and lets see if we are a good fit for each other - I guarantee the time we spend and friendships gained will pay you back multiple times the effort to contact me.