{"id":824,"date":"2018-05-03T15:19:56","date_gmt":"2018-05-03T15:19:56","guid":{"rendered":"http:\/\/wpoffice\/enfold-lawyer\/?page_id=824"},"modified":"2026-08-31T12:02:50","modified_gmt":"2026-08-31T12:02:50","slug":"practice-areas","status":"publish","type":"page","link":"https:\/\/pifp.co.za\/?page_id=824","title":{"rendered":"SERVICES"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-msqibf0n-7edfeda88a6c3a49888643892b5365c4\">\n.avia-section.av-msqibf0n-7edfeda88a6c3a49888643892b5365c4{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/pifp.co.za\/wp-content\/uploads\/2026\/08\/img_7847.jpg);\nbackground-position:0% 50%;\nbackground-attachment:fixed;\n}\n.avia-section.av-msqibf0n-7edfeda88a6c3a49888643892b5365c4 .av-section-color-overlay{\nopacity:0.4;\nbackground-color:#800020;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-msqibf0n-7edfeda88a6c3a49888643892b5365c4 main_color 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modern-quote modern-centered  avia-builder-el-1  avia-builder-el-no-sibling  av-inherit-size'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >SERVICE OFFERING<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='av_section_2'  class='avia-section av-qet8u-83147d0d40d9d249d4aacaaedd222aa0 main_color avia-section-huge avia-no-border-styling  avia-builder-el-2  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-824'><div class='entry-content-wrapper clearfix'>\n<div class='flex_column_table av-9wkhy-abc9921866eb00546201776d4c2f2edf sc-av_one_full av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9wkhy-abc9921866eb00546201776d4c2f2edf\">\n#top .flex_column_table.av-equal-height-column-flextable.av-9wkhy-abc9921866eb00546201776d4c2f2edf{\nmargin-top:0px;\nmargin-bottom:0px;\n}\n.flex_column.av-9wkhy-abc9921866eb00546201776d4c2f2edf{\nborder-radius:3px 3px 3px 3px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-9wkhy-abc9921866eb00546201776d4c2f2edf av_one_full  avia-builder-el-3  el_before_av_hr  avia-builder-el-first  first no_margin flex_column_table_cell av-equal-height-column av-align-middle av-animated-generic left-to-right av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgrxw141-a052fe8a3ceaf9ff568cb7d351f5ab44\">\n#top .av-special-heading.av-jgrxw141-a052fe8a3ceaf9ff568cb7d351f5ab44{\nmargin:15px 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-jgrxw141-a052fe8a3ceaf9ff568cb7d351f5ab44 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-jgrxw141-a052fe8a3ceaf9ff568cb7d351f5ab44 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-jgrxw141-a052fe8a3ceaf9ff568cb7d351f5ab44 av-special-heading-h2 blockquote modern-quote modern-centered  avia-builder-el-4  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Your Partners in Financial Planning <\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgds8wgh-92eb7300782dd4c5ca898ee18a72d3cf\">\n#top .av_textblock_section.av-jgds8wgh-92eb7300782dd4c5ca898ee18a72d3cf .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-jgds8wgh-92eb7300782dd4c5ca898ee18a72d3cf '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\">We provide comprehensive financial planning and protection solutions tailored to individuals, employees and business owners. From group risk and retirement benefits to business assurance and professional will-drafting services, we are committed to protecting what matters most and helping you build a secure financial future.<\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288\">\n#top .hr.av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288{\nmargin-top:50px;\nmargin-bottom:65px;\n}\n.hr.av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288 .hr-inner{\nwidth:50px;\nborder-color:#d3d3d3;\nmax-width:45%;\n}\n.hr.av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288 .av-seperator-icon{\ncolor:#0a0000;\n}\n.hr.av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288 .av-seperator-icon.avia-svg-icon svg:first-child{\nfill:#0a0000;\nstroke:#0a0000;\n}\n<\/style>\n<div  class='hr av-jgf4q5kq-c772f04adb0bbd5e9a28217d0fd73288 hr-custom  avia-builder-el-6  el_after_av_one_full  el_before_av_one_half  hr-center hr-icon-yes'><span class='hr-inner inner-border-av-border-thin'><span class=\"hr-inner-style\"><\/span><\/span><span class='av-seperator-icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='dot' data-av_iconset='svg_entypo-fontello'><svg 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id=\"style-css-av-jgf8v45f-6f7f67e602dbeaa449a25790e8d0348c\">\n.av_font_icon.av-jgf8v45f-6f7f67e602dbeaa449a25790e8d0348c{\ncolor:#ffffff;\nborder-color:#ffffff;\n}\n.avia-svg-icon.av-jgf8v45f-6f7f67e602dbeaa449a25790e8d0348c svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n.av_font_icon.av-jgf8v45f-6f7f67e602dbeaa449a25790e8d0348c .av-icon-char{\nfont-size:70px;\nline-height:70px;\n}\n<\/style>\n<span  class='av_font_icon av-jgf8v45f-6f7f67e602dbeaa449a25790e8d0348c avia_animate_when_visible av-icon-style- avia-icon-pos-center avia-iconfont avia-font-justice avia-icon-animate'><span class='av-icon-char' data-av_icon='\uf100' data-av_iconfont='justice' aria-hidden=\"true\" ><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-14oiuw-9eb08042a569cee5991fdcded6e20b83\">\n#top .av-special-heading.av-14oiuw-9eb08042a569cee5991fdcded6e20b83{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-14oiuw-9eb08042a569cee5991fdcded6e20b83 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-14oiuw-9eb08042a569cee5991fdcded6e20b83 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-14oiuw-9eb08042a569cee5991fdcded6e20b83 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-14oiuw-9eb08042a569cee5991fdcded6e20b83 av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-9  el_after_av_font_icon  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Investment Planning<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgds8wgh-52-a924ec1e915b63bcec7b90670470c217\">\n#top .av_textblock_section.av-jgds8wgh-52-a924ec1e915b63bcec7b90670470c217 .avia_textblock{\nfont-size:15px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-jgds8wgh-52-a924ec1e915b63bcec7b90670470c217 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\"><span class=\"Apple-converted-space\">\u00a0<\/span>We create tailored investment strategies with appropriate product structures to help you grow, protect, and manage your wealth with confidence, aligned to your unique goals and risk profile.<br \/>\n<span class=\"Apple-converted-space\">\u00a0<\/span><i>Is your money working as hard for your future as you are today?<\/i><\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jgf4q5kq-51-83fefb8b6adfc57dddc12327e5409b2a\">\n#top .hr.hr-invisible.av-jgf4q5kq-51-83fefb8b6adfc57dddc12327e5409b2a{\nheight:20px;\n}\n<\/style>\n<div  class='hr 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avia-size-large avia-position-center av-icon-on-hover'   aria-label=\"Get in touch\"><span class='avia_iconbox_title' >Get in touch<\/span><span class='avia_button_icon avia_button_icon_right avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' ><\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48\">\n@keyframes av_boxShadowEffect_av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n#top .flex_column.av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48{\nbox-shadow: 0 0 10px 0 #c6c6c6;\nborder-radius:3px 3px 3px 3px;\npadding:100px 40px 40px 40px;\nheight:550px;\nbackground:url(https:\/\/pifp.co.za\/wp-content\/uploads\/2026\/08\/WhatsApp-Image-2026-08-13-at-19.45.51-773x1030.jpeg) 50% 50% no-repeat scroll #f7f7f7;\n}\n.avia_transform .flex_column.av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48{\nanimation-duration:3.5s;\n}\n.responsive #top #wrap_all .flex_column.av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-9wkhy-50-d79a45f91851a68e9a4b3b9d8c362c48 av_one_half  avia-builder-el-13  el_after_av_one_half  el_before_av_hr  no_margin flex_column_div av-animated-generic right-to-left shadow-not-animated  '     ><div  class='togglecontainer av-mrw55vn2-91abbf1958ed74276632af4b07e33493 av-minimal-toggle  avia-builder-el-14  avia-builder-el-no-sibling  toggle_close_all' >\n<section class='av_toggle_section av-mrw55907-460bd418f6d055284a0812f96b57aeb4'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-1' data-fake-id='#toggle-id-1' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1' data-slide-speed=\"200\" data-title=\"Retirement Planning (Compulsory money)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Retirement Planning (Compulsory money)\" data-aria_expanded=\"Click to collapse: Retirement Planning (Compulsory money)\">Retirement Planning (Compulsory money)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' aria-labelledby='toggle-toggle-id-1' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><b>Pre-Retirement Planning<\/b><\/p>\n<p>Pre-retirement planning focuses on building and preserving wealth during your working years. It involves setting retirement goals, growing your savings through appropriate investment strategies, and ensuring you have sufficient capital to support your desired lifestyle in retirement.<\/p>\n<ul>\n<li>Personal Retirement Annuity<\/li>\n<li>Group Pension\/Provident fund<\/li>\n<\/ul>\n<p><b>Post-Retirement Planning<\/b><\/p>\n<p>Post-retirement planning focuses on managing your wealth after you retire. It includes structuring sustainable income streams, preserving capital, managing investment risk, maximising tax efficiency, and ensuring your financial resources continue to meet your needs throughout retirement.<\/p>\n<ul>\n<li>Living Annuity<\/li>\n<li>Life Annuity<\/li>\n<li>Hybrid Annuity<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-mrw55ueh-477d2701976422330cd1dceb197e3c2b'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-2' data-fake-id='#toggle-id-2' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2' data-slide-speed=\"200\" data-title=\"Discretionary Investments (Voluntary money)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Discretionary Investments (Voluntary money)\" data-aria_expanded=\"Click to collapse: Discretionary Investments (Voluntary money)\">Discretionary Investments (Voluntary money)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' aria-labelledby='toggle-toggle-id-2' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><ul>\n<li>Tax Free Savings Accounts<\/li>\n<li>Platform and Direct Unit Trusts (Local and Offshore)<\/li>\n<li>Life Wrapped Investments (Endowments\/Sinking funds) (Local and Offshore)<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-msqhad1k-2fe283e9d30f4b2dc8ed70d79ac27de2\">\n#top .hr.hr-invisible.av-msqhad1k-2fe283e9d30f4b2dc8ed70d79ac27de2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-msqhad1k-2fe283e9d30f4b2dc8ed70d79ac27de2 hr-invisible  avia-builder-el-15  el_after_av_one_half  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div class='av-column-wrapper-individual av-mobile-columns-flex av-columns-reverse'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1sjigw-016d6532afafb7ba434b56d0c853243d\">\n@keyframes av_boxShadowEffect_av-1sjigw-016d6532afafb7ba434b56d0c853243d-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n#top .flex_column.av-1sjigw-016d6532afafb7ba434b56d0c853243d{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-1sjigw-016d6532afafb7ba434b56d0c853243d{\nbox-shadow: 0 0 10px 0 #c6c6c6;\nborder-radius:3px 3px 3px 3px;\npadding:100px 40px 40px 40px;\nheight:auto;\nmin-height:550px;\nbackground:url(https:\/\/pifp.co.za\/wp-content\/uploads\/2026\/08\/WhatsApp-Image-2026-08-12-at-21.29.23-1030x773.jpeg) 50% 0% no-repeat scroll #4f4f4f;\n}\n.avia_transform .flex_column.av-1sjigw-016d6532afafb7ba434b56d0c853243d{\nanimation-duration:3.5s;\n}\n.responsive #top #wrap_all .flex_column.av-1sjigw-016d6532afafb7ba434b56d0c853243d{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-1sjigw-016d6532afafb7ba434b56d0c853243d av_one_half  avia-builder-el-16  el_after_av_hr  el_before_av_one_half  reverse-mobile first no_margin flex_column_div av-animated-generic right-to-left shadow-not-animated  '     ><div  class='togglecontainer av-1jsxmg-934f3b72a9af9acf8556313dd7f44243 av-minimal-toggle  avia-builder-el-17  avia-builder-el-no-sibling  toggle_close_all' >\n<section class='av_toggle_section av-1gei7s-954aea227837cdaccccc2a96ecb54ba3'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-3' data-fake-id='#toggle-id-3' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3' data-slide-speed=\"200\" data-title=\"Life Cover\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Life Cover\" data-aria_expanded=\"Click to collapse: Life Cover\">Life Cover<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' aria-labelledby='toggle-toggle-id-3' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Life cover provides a lump-sum payment to your beneficiaries in the event of your death. It is designed to help protect your family&#8217;s financial future by covering expenses such as debt, living costs, education, and estate obligations.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-1gei7s-3-718b8ed14e33dcf3a64f997a0157f276'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-4' data-fake-id='#toggle-id-4' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-4' data-slide-speed=\"200\" data-title=\"Dread Disease (Critical Illness) Cover\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Dread Disease (Critical Illness) Cover\" data-aria_expanded=\"Click to collapse: Dread Disease (Critical Illness) Cover\">Dread Disease (Critical Illness) Cover<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-4' aria-labelledby='toggle-toggle-id-4' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Dread disease cover provides a lump-sum benefit if you are diagnosed with a specified serious illness, such as cancer, heart attack, or stroke. The payout can be used for medical expenses, lifestyle adjustments, income replacement, or any other financial needs during recovery.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-1gei7s-2-9ba21311959df2ab021423d219960c92'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-5' data-fake-id='#toggle-id-5' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-5' data-slide-speed=\"200\" data-title=\"Income and Lump Sum Disability Cover\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Income and Lump Sum Disability Cover\" data-aria_expanded=\"Click to collapse: Income and Lump Sum Disability Cover\">Income and Lump Sum Disability Cover<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-5' aria-labelledby='toggle-toggle-id-5' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Income disability cover pays a regular monthly benefit if you become temporarily or permanently unable to work due to illness or injury. Its purpose is to replace a portion of your lost income and help you maintain your standard of living.<\/p>\n<p>Lump sum disability cover pays a once-off benefit if you suffer a qualifying permanent disability. The payout can be used to settle debt, adapt your home or vehicle, cover medical costs, or provide long-term financial security.<\/p>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-45vp4-0612a25324939fbe14f99780cb7cea03\">\n@keyframes av_boxShadowEffect_av-45vp4-0612a25324939fbe14f99780cb7cea03-column {\n0%   { box-shadow:  0 0 0 0 #bcbcbc; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #bcbcbc; opacity: 1; }\n}\n#top .flex_column.av-45vp4-0612a25324939fbe14f99780cb7cea03{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-45vp4-0612a25324939fbe14f99780cb7cea03{\nbox-shadow: 0 0 10px 0 #bcbcbc;\nborder-radius:3px 3px 3px 3px;\npadding:40px 40px 40px 40px;\nbackground-color:#800020;\nbackground:linear-gradient( to top right, #800020, #ad113a );\n}\n.avia_transform .flex_column.av-45vp4-0612a25324939fbe14f99780cb7cea03{\nanimation-duration:4.5s;\n}\n.responsive #top #wrap_all .flex_column.av-45vp4-0612a25324939fbe14f99780cb7cea03{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-45vp4-0612a25324939fbe14f99780cb7cea03 av_one_half  avia-builder-el-18  el_after_av_one_half  el_before_av_hr  no_margin flex_column_div av-animated-generic left-to-right shadow-not-animated  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-y7y68-34330f4e534c535bb966cf04c8ebbef7\">\n.av_font_icon.av-y7y68-34330f4e534c535bb966cf04c8ebbef7{\ncolor:#ffffff;\nborder-color:#ffffff;\n}\n.avia-svg-icon.av-y7y68-34330f4e534c535bb966cf04c8ebbef7 svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n.av_font_icon.av-y7y68-34330f4e534c535bb966cf04c8ebbef7 .av-icon-char{\nfont-size:70px;\n}\n<\/style>\n<span  class='av_font_icon av-y7y68-34330f4e534c535bb966cf04c8ebbef7 avia_animate_when_visible av-icon-style- avia-icon-pos-center avia-svg-icon avia-font-svg_entypo-fontello avia-icon-animate'><span class='av-icon-char' data-av_svg_icon='chart-line' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Chart-line<\/title>\n<desc id='av-svg-desc-2'>Chart-line<\/desc>\n<path d=\"M1.088 18.112q-1.344-0.32-1.024-1.792 0.32-1.344 1.728-1.024l3.136 0.768-1.664 2.56zM29.568 18.496q0.448-0.384 1.056-0.352t0.992 0.48q1.024 1.024-0.064 2.048l-8.064 7.232q-0.384 0.384-0.96 0.384-0.448 0-0.896-0.32l-9.152-7.040-1.728-0.448 1.6-2.56 1.152 0.256q0.384 0.128 0.512 0.256l8.448 6.528zM13.888 11.456l-11.2 17.6q-0.384 0.704-1.216 0.704-0.384 0-0.768-0.256-0.512-0.32-0.64-0.928t0.192-1.056l11.968-18.816q0.256-0.512 0.896-0.64 0.576-0.192 1.152 0.192l7.872 4.992 7.232-10.432q0.32-0.512 0.896-0.608t1.088 0.288q1.216 0.768 0.384 1.984l-8.064 11.584q-0.768 1.152-1.984 0.384z\"><\/path>\n<\/svg><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-qh8zs-1ff2dc04a155cfc0aede201604e8134d\">\n#top .av-special-heading.av-qh8zs-1ff2dc04a155cfc0aede201604e8134d{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-qh8zs-1ff2dc04a155cfc0aede201604e8134d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-qh8zs-1ff2dc04a155cfc0aede201604e8134d .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-qh8zs-1ff2dc04a155cfc0aede201604e8134d .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-qh8zs-1ff2dc04a155cfc0aede201604e8134d av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-20  el_after_av_font_icon  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Risk Planning<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k763s-4bbecfba1b5096f6472f206e5ce5ba87\">\n#top .av_textblock_section.av-k763s-4bbecfba1b5096f6472f206e5ce5ba87 .avia_textblock{\nfont-size:15px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-k763s-4bbecfba1b5096f6472f206e5ce5ba87 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\"><span class=\"Apple-converted-space\">\u00a0<\/span>We help protect your income, assets, and loved ones through personalised risk solutions designed to provide financial security when life is unpredictable.<br \/>\nIf the unexpected happened tomorrow, would your family be financially secure?<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-fzw48-ebf665a5d021e306e048a5ea9a63ec80\">\n#top .hr.hr-invisible.av-fzw48-ebf665a5d021e306e048a5ea9a63ec80{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-fzw48-ebf665a5d021e306e048a5ea9a63ec80 hr-invisible  avia-builder-el-22  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-zjyg-392dc9419bed276c89296e125d5f71c4-wrap avia-button-center  avia-builder-el-23  el_after_av_hr  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-zjyg-392dc9419bed276c89296e125d5f71c4\">\n#top #wrap_all .avia-button.av-zjyg-392dc9419bed276c89296e125d5f71c4{\nbackground-color:#ffffff;\nborder-color:#ffffff;\ncolor:#000000;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-zjyg-392dc9419bed276c89296e125d5f71c4 .avia-svg-icon svg:first-child{\nfill:#000000;\nstroke:#000000;\n}\n<\/style>\n<a href='https:\/\/pifp.co.za\/?page_id=156'  class='avia-button av-zjyg-392dc9419bed276c89296e125d5f71c4 av-link-btn avia-icon_select-yes-right-icon avia-size-large avia-position-center av-icon-on-hover'   aria-label=\"Get in touch\"><span class='avia_iconbox_title' >Get in touch<\/span><span class='avia_button_icon avia_button_icon_right avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' ><\/span><\/a><\/div><\/p><\/div><\/div><!--close flex column wrapper. Autoclose: 1 -->\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-253v6w-fb06f59b1d19f318462a8419a46cbc07\">\n#top .hr.hr-invisible.av-253v6w-fb06f59b1d19f318462a8419a46cbc07{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-253v6w-fb06f59b1d19f318462a8419a46cbc07 hr-invisible  avia-builder-el-24  el_after_av_one_half  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f\">\n@keyframes av_boxShadowEffect_av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f-column {\n0%   { box-shadow:  0 0 0 0 #bcbcbc; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #bcbcbc; opacity: 1; }\n}\n#top .flex_column.av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f{\nbox-shadow: 0 0 10px 0 #bcbcbc;\nborder-radius:3px 3px 3px 3px;\npadding:40px 40px 40px 40px;\nbackground-color:#800020;\nbackground:linear-gradient( to top right, #800020, #ad113a );\n}\n.avia_transform .flex_column.av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f{\nanimation-duration:4.5s;\n}\n.responsive #top #wrap_all .flex_column.av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-1v3wuw-ba69dc937cd5b5f3cd260a73adc5919f av_one_half  avia-builder-el-25  el_after_av_hr  el_before_av_one_half  first no_margin flex_column_div av-animated-generic left-to-right shadow-not-animated  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1r79l4-e0383ddf8913e2255087544ee76c5163\">\n.av_font_icon.av-1r79l4-e0383ddf8913e2255087544ee76c5163{\ncolor:#ffffff;\nborder-color:#ffffff;\n}\n.avia-svg-icon.av-1r79l4-e0383ddf8913e2255087544ee76c5163 svg:first-child{\nstroke:#ffffff;\nfill:#ffffff;\n}\n.av_font_icon.av-1r79l4-e0383ddf8913e2255087544ee76c5163 .av-icon-char{\nfont-size:70px;\nline-height:70px;\n}\n<\/style>\n<span  class='av_font_icon av-1r79l4-e0383ddf8913e2255087544ee76c5163 avia_animate_when_visible av-icon-style- avia-icon-pos-center avia-iconfont avia-font-justice avia-icon-animate'><span class='av-icon-char' data-av_icon='\uf106' data-av_iconfont='justice' aria-hidden=\"true\" ><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1lm07s-4e5adeb89092976f5608f62354c5c2eb\">\n#top .av-special-heading.av-1lm07s-4e5adeb89092976f5608f62354c5c2eb{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-1lm07s-4e5adeb89092976f5608f62354c5c2eb .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-1lm07s-4e5adeb89092976f5608f62354c5c2eb .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-1lm07s-4e5adeb89092976f5608f62354c5c2eb .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-1lm07s-4e5adeb89092976f5608f62354c5c2eb av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-27  el_after_av_font_icon  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Estate Planning<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1eaptk-c17163c70f1e9056b4bea6d80e78e0a7\">\n#top .av_textblock_section.av-1eaptk-c17163c70f1e9056b4bea6d80e78e0a7 .avia_textblock{\nfont-size:15px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-1eaptk-c17163c70f1e9056b4bea6d80e78e0a7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\"><span class=\"Apple-converted-space\">\u00a0<\/span>We work with you to structure your estate efficiently, ensuring your wishes are honoured and your legacy is preserved for future generations.<br \/>\nHave you decided what legacy you want to leave behind?<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1aki14-df8455cb58b1a094f6cdb9d248c7ccf4\">\n#top .hr.hr-invisible.av-1aki14-df8455cb58b1a094f6cdb9d248c7ccf4{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-1aki14-df8455cb58b1a094f6cdb9d248c7ccf4 hr-invisible  avia-builder-el-29  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-117nhk-14ffb18434fa9cc2cfc5958678948d23-wrap avia-button-center  avia-builder-el-30  el_after_av_hr  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-117nhk-14ffb18434fa9cc2cfc5958678948d23\">\n#top #wrap_all .avia-button.av-117nhk-14ffb18434fa9cc2cfc5958678948d23{\nbackground-color:#ffffff;\nborder-color:#ffffff;\ncolor:#000000;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-117nhk-14ffb18434fa9cc2cfc5958678948d23 .avia-svg-icon svg:first-child{\nfill:#000000;\nstroke:#000000;\n}\n<\/style>\n<a href='https:\/\/pifp.co.za\/?page_id=156'  class='avia-button av-117nhk-14ffb18434fa9cc2cfc5958678948d23 av-link-btn avia-icon_select-yes-right-icon avia-size-large avia-position-center av-icon-on-hover'   aria-label=\"Get in touch\"><span class='avia_iconbox_title' >Get in touch<\/span><span class='avia_button_icon avia_button_icon_right avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' ><\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ydb2o-e0a4eeaca29e057dc582620b057955b9\">\n@keyframes av_boxShadowEffect_av-ydb2o-e0a4eeaca29e057dc582620b057955b9-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n#top .flex_column.av-ydb2o-e0a4eeaca29e057dc582620b057955b9{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-ydb2o-e0a4eeaca29e057dc582620b057955b9{\nbox-shadow: 0 0 10px 0 #c6c6c6;\nborder-radius:3px 3px 3px 3px;\npadding:100px 40px 40px 40px;\nheight:auto;\nmin-height:550px;\nbackground:url(https:\/\/pifp.co.za\/wp-content\/uploads\/2026\/08\/WhatsApp-Image-2026-08-12-at-21.41.04-773x1030.jpeg) 0% 50% no-repeat scroll #4f4f4f;\n}\n.avia_transform .flex_column.av-ydb2o-e0a4eeaca29e057dc582620b057955b9{\nanimation-duration:3.5s;\n}\n.responsive #top #wrap_all .flex_column.av-ydb2o-e0a4eeaca29e057dc582620b057955b9{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-ydb2o-e0a4eeaca29e057dc582620b057955b9 av_one_half  avia-builder-el-31  el_after_av_one_half  el_before_av_hr  no_margin flex_column_div av-animated-generic right-to-left shadow-not-animated  '     ><div  class='togglecontainer av-ta12w-49c4d773bf007e36cf9ef2d753f02ff4 av-minimal-toggle  avia-builder-el-32  avia-builder-el-no-sibling  toggle_close_all' >\n<section class='av_toggle_section av-kbsrs-f003b845459b7b85f17d1ac0a46526f1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-6' data-fake-id='#toggle-id-6' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-6' data-slide-speed=\"200\" data-title=\"Wills\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Wills\" data-aria_expanded=\"Click to collapse: Wills\">Wills<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-6' aria-labelledby='toggle-toggle-id-6' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Clients can have their wills professionally drafted in partnership with Garlicke &amp; Bousfield. The completed wills are securely stored for safekeeping, free of charge.<\/p>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-14ri40-4c6ac50ed1e44cff05984105c1372aa2\">\n#top .hr.hr-invisible.av-14ri40-4c6ac50ed1e44cff05984105c1372aa2{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-14ri40-4c6ac50ed1e44cff05984105c1372aa2 hr-invisible  avia-builder-el-33  el_after_av_one_half  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div class='av-column-wrapper-individual av-mobile-columns-flex av-columns-reverse'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-zfnh4-9644631f82fd0322692d9a195f9c95fd\">\n@keyframes av_boxShadowEffect_av-zfnh4-9644631f82fd0322692d9a195f9c95fd-column {\n0%   { box-shadow:  0 0 0 0 #c6c6c6; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #c6c6c6; opacity: 1; }\n}\n#top .flex_column.av-zfnh4-9644631f82fd0322692d9a195f9c95fd{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-zfnh4-9644631f82fd0322692d9a195f9c95fd{\nbox-shadow: 0 0 10px 0 #c6c6c6;\nborder-radius:3px 3px 3px 3px;\npadding:100px 40px 40px 40px;\nheight:auto;\nmin-height:550px;\nbackground:url(https:\/\/pifp.co.za\/wp-content\/uploads\/2026\/08\/WhatsApp-Image-2026-08-13-at-12.48.47-773x1030.jpeg) 0% 100% no-repeat scroll #4f4f4f;\n}\n.avia_transform .flex_column.av-zfnh4-9644631f82fd0322692d9a195f9c95fd{\nanimation-duration:3.5s;\n}\n.responsive #top #wrap_all .flex_column.av-zfnh4-9644631f82fd0322692d9a195f9c95fd{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n<\/style>\n<div  class='flex_column av-zfnh4-9644631f82fd0322692d9a195f9c95fd av_one_half  avia-builder-el-34  el_after_av_hr  el_before_av_one_half  reverse-mobile first no_margin flex_column_div av-animated-generic right-to-left shadow-not-animated  '     ><div  class='togglecontainer av-msqi7pp5-05e7d9ed4e900a92938950f0fa5d528f av-minimal-toggle  avia-builder-el-35  avia-builder-el-no-sibling  toggle_close_all' >\n<section class='av_toggle_section av-msqi6ge5-cd418acec269c1b0bdebef1abc20a4ed'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-7' data-fake-id='#toggle-id-7' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-7' data-slide-speed=\"200\" data-title=\"Group Risk Benefits \" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Group Risk Benefits \" data-aria_expanded=\"Click to collapse: Group Risk Benefits \">Group Risk Benefits <span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-7' aria-labelledby='toggle-toggle-id-7' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Employer-sponsored insurance that provides financial protection to employees and their families. It may include group life cover, disability income benefits, funeral cover, and critical illness protection.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-msqi6ge5-8-c6e65791ced9e42ce29f7ef5409ec435'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-8' data-fake-id='#toggle-id-8' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-8' data-slide-speed=\"200\" data-title=\"Group Retirement Benefits\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Group Retirement Benefits\" data-aria_expanded=\"Click to collapse: Group Retirement Benefits\">Group Retirement Benefits<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-8' aria-labelledby='toggle-toggle-id-8' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p>Workplace retirement arrangements, such as pension or provident funds, through which employers and employees contribute toward employees\u2019 long-term retirement savings.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-msqi6ge5-7-f4928605d4baef76aceb4a2a968b2211'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-9' data-fake-id='#toggle-id-9' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-9' data-slide-speed=\"200\" data-title=\"Business Assurance\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Business Assurance\" data-aria_expanded=\"Click to collapse: Business Assurance\">Business Assurance<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-9' aria-labelledby='toggle-toggle-id-9' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p class=\"PDq2pG_selectionAnchorContainer\" data-start=\"438\" data-end=\"634\">Insurance and financial arrangements designed to protect a business against financial loss caused by the death, disability, or critical illness of an owner or key employee.<\/p>\n<ul data-start=\"638\" data-end=\"1353\" data-is-last-node=\"\">\n<li data-section-id=\"14dah4i\" data-start=\"638\" data-end=\"817\"><strong data-start=\"640\" data-end=\"675\" data-is-only-node=\"\">Contingent Liability Insurance:<\/strong> Protects a business or guarantor by providing funds to settle debts when a person whose life is linked to that debt dies or becomes disabled.<\/li>\n<li data-section-id=\"120ujbx\" data-start=\"821\" data-end=\"1051\"><strong data-start=\"823\" data-end=\"845\" data-is-only-node=\"\">Key Man Insurance:<\/strong> Covers the life or disability of an employee, director, or owner whose skills and contribution are vital to the business. The payout helps offset lost income, recruitment costs, and operational disruption.<\/li>\n<li data-section-id=\"l5w808\" data-start=\"1055\" data-end=\"1353\" data-is-last-node=\"\"><strong data-start=\"1057\" data-end=\"1087\" data-is-only-node=\"\">Buy-and-Sell Arrangements:<\/strong> An agreement funded by insurance that enables the remaining business owners to purchase the ownership interest of an owner who dies or becomes permanently disabled. This provides financial value to the departing owner or family while supporting business continuity.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-thn00-f3838f332213694fb2925b5a368699bd\">\n@keyframes av_boxShadowEffect_av-thn00-f3838f332213694fb2925b5a368699bd-column {\n0%   { box-shadow:  0 0 0 0 #bcbcbc; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #bcbcbc; opacity: 1; }\n}\n#top .flex_column.av-thn00-f3838f332213694fb2925b5a368699bd{\nmargin-top:0px;\nmargin-bottom:70px;\n}\n.flex_column.av-thn00-f3838f332213694fb2925b5a368699bd{\nbox-shadow: 0 0 10px 0 #bcbcbc;\nborder-radius:3px 3px 3px 3px;\npadding:40px 40px 40px 40px;\nbackground-color:#800020;\nbackground:linear-gradient( to top right, #800020, #ad113a );\n}\n.avia_transform .flex_column.av-thn00-f3838f332213694fb2925b5a368699bd{\nanimation-duration:4.5s;\n}\n.responsive #top #wrap_all 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class='av-icon-char' data-av_icon='\ue8c9' data-av_iconfont='entypo-fontello' aria-hidden=\"true\" ><\/span><\/span><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-msqi3b69-0136e2275d1847dceda866132681f81c\">\n#top .av-special-heading.av-msqi3b69-0136e2275d1847dceda866132681f81c{\nmargin:25px 0 0 0;\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-msqi3b69-0136e2275d1847dceda866132681f81c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-msqi3b69-0136e2275d1847dceda866132681f81c .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-msqi3b69-0136e2275d1847dceda866132681f81c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-msqi3b69-0136e2275d1847dceda866132681f81c av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-38  el_after_av_font_icon  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Business Planning<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-msqi3viz-b48ba7e7d35c0ddc4b273a534dab3bb4\">\n#top .av_textblock_section.av-msqi3viz-b48ba7e7d35c0ddc4b273a534dab3bb4 .avia_textblock{\nfont-size:15px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-msqi3viz-b48ba7e7d35c0ddc4b273a534dab3bb4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\"><span class=\"Apple-converted-space\">\u00a0<\/span>We help businesses build sustainable futures through tailored group retirement solutions, employee benefits, succession planning, and risk management strategies.<br \/>\nAre you doing enough today to secure the future of your business and your employees?<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dw3q0-bf06f23821ec1ea4e18779249b983be4\">\n#top .hr.hr-invisible.av-dw3q0-bf06f23821ec1ea4e18779249b983be4{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-dw3q0-bf06f23821ec1ea4e18779249b983be4 hr-invisible  avia-builder-el-40  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-768xk-0733c3e9e4efbc87345017c372df7932-wrap avia-button-center  avia-builder-el-41  el_after_av_hr  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-768xk-0733c3e9e4efbc87345017c372df7932\">\n#top #wrap_all .avia-button.av-768xk-0733c3e9e4efbc87345017c372df7932{\nbackground-color:#ffffff;\nborder-color:#ffffff;\ncolor:#000000;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-768xk-0733c3e9e4efbc87345017c372df7932 .avia-svg-icon svg:first-child{\nfill:#000000;\nstroke:#000000;\n}\n<\/style>\n<a href='https:\/\/pifp.co.za\/?page_id=156'  class='avia-button av-768xk-0733c3e9e4efbc87345017c372df7932 av-link-btn avia-icon_select-yes-right-icon avia-size-large avia-position-center av-icon-on-hover'   aria-label=\"Get in touch\"><span class='avia_iconbox_title' >Get in touch<\/span><span class='avia_button_icon avia_button_icon_right avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue879' data-av_iconfont='entypo-fontello' ><\/span><\/a><\/div><\/p><\/div><\/div><!--close flex column wrapper. Autoclose: 1 -->\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9lzvs-0c32437e1b07fb093a45d44808fedab5\">\n#top .hr.hr-invisible.av-9lzvs-0c32437e1b07fb093a45d44808fedab5{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-9lzvs-0c32437e1b07fb093a45d44808fedab5 hr-invisible  avia-builder-el-42  el_after_av_one_half  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-824","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/pages\/824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pifp.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=824"}],"version-history":[{"count":87,"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/pages\/824\/revisions"}],"predecessor-version":[{"id":1401,"href":"https:\/\/pifp.co.za\/index.php?rest_route=\/wp\/v2\/pages\/824\/revisions\/1401"}],"wp:attachment":[{"href":"https:\/\/pifp.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}