Aspis is an established company

offering insurance protection solutions for our valued customers.

A S P I S - S h i e l d e d   c r e d i t   p r o t e c t i o n   s o l u t i o n s

We have a management team with a combined 90 years of industry experience, and offer the complete solution in terms of
credit protection, funeral policies, legal aid and more.

The ASPIS head office is located in Kloof, KwaZulu Natal however ASPIS has clients with outlets across the length and
breadth of South Africa as well as in countries within sub Saharan Africa.

Integrity, accountability and service excellence are what ASPIS value most. With a united vision, ASPIS strive to offer complete
income risk protection through the provision of credit protection packages.

ASPIS is a Juristic Representative of McGuinness Insurance Brokers CC FSP No 16837 (an authorised Financial Services Provider).

OUR STRATEGIC PARTNERS

Administrator - Monitor Administrators (Pty) Ltd

FAIS Compliance- Mc Guinness Insurance Brokers ( Pty) Ltd

 

ASIPHILE Loan Protection

allows us to settle outstanding loan balances in the case of retrenchment
disability and death together with an added death benefit solution.

Asphile Loan Protector

CREDIT PROTECTION

DISABILITY COVER



TEMPORARY DISABILITY

The credit provider initially receives 3
months instalments and thereafter a first
review is made. If the client is still disabled,
a further 3 months instalments are paid to
the credit provider. Thereafter a final
review is made. If the client is still disabled,
then the balance of the loan is settled.
 

PERMANENT DISABILITY

The outstanding loan balance is settled

DEATH COVER WITH BENEFITS



In the case of death a death certificate of
the deceased is required in order for the
claim to be processed. The outstanding
loan balance of the deceased is then
settled.
 

Beneficiary pay out:

The beneficiary is also protected by our
added Death Benefit. In the event of an
untimely death, not only will we pay the
outstanding balance of the loan to the
credit provider, but the insured persons
beneficiary will receive a cash payment to
assist with associated family costs: If at the
date of death, the outstanding loan balance
is:

• Less than R3000, the cash pay-out will be
R2000
• More than R3000, the cash pay-out- will be
R5000

We require the beneficiaries ID & Bank
Details prior to claims being processed.

RETRENCHMENT COVER



The credit provider initially receives 3
months instalments and thereafter a
first review is made. If the client is still
unemployed, a further 3 months
instalments are paid to the credit
provider. Thereafter a final review is
made. If the client is still unemployed, then the
balance of the loan is settled.



CLAIMS



There is no waiting period other than in the case of a suicide, which has a 24 month waiting period.
We have a centralised claims call centre and claims are paid bi-weekly.

There are no medicals required and there is no waiting period. The loan protection starts the minute the client takes out the loan and continues
until the end of the loan agreement or when one makes ones final instalment, whichever occurs first.

 

ASIPHILE Funeral Policy

Peace of mind for you and your family

Asphile Funeral Policy

FUNERAL POLICY

 

TYPE OF
POLICY
MONTHLY
COST TO
MEMBER
WHO IS COVERED MEMBER
BENEFIT
65 & UNDER
SPOUSE
OPTION
65 & UNDER
CHILD
BENEFIT
0 - 11 MTHS
CHILD
BENEFIT
1 - 5 YRS
CHILD
BENEFIT
6 - 13 YRS
CHILD
BENEFIT
14 - 22 YRS
SINGLE R 37,00 Main member only R 10 000,00
COUPLE R 74,00 Main member & Spouse R 10 000,00 R 10 000,00
SINGLE PARENT R 59,00 Main member & up to 4 Children up to 22 years R 10 000,00 R 1000,00 R 2500,00 R 5000,00 R 10 000,00
FAMILY R 79,00 Main member, Spouse & up to 4 Children up to 22 years R 10 000,00 R 10 000,00 R 1500,00 R 2500,00 R 5000,00 R 10 000,00
SINGLE R 52,00 Main member only R 15 000,00
COUPLE R 99,00 Main member & Spouse R 15 000,00 R 15 000,00
SINGLE PARENT R 85,00 Main member & up to 4 Children up to 22 years R 15 000,00 R 1000,00 R 2500,00 R 5000,00 R 10 000,00
FAMILY R 110,00 Main member, Spouse & up to 4 Children up to 22 years R 15 000,00 R 15 000,00 R 1500,00 R 2500,00 R 5000,00 R 10 000,00
SINGLE R 63,00 Main member only R 18 000,00
COUPLE R 126,00 Main member & Spouse R 18 000,00 R 18 000,00
SINGLE PARENT R 90,00 Main member & up to 4 Children up to 22 years R 18 000,00 R 1000,00 R 2500,00 R 5000,00 R 10 000,00
FAMILY R 139,00 Main member, Spouse & up to 4 Children up to 22 years R 18 000,00 R 18 000,00 R 1500,00 R 2500,00 R 5000,00 R 10 000,00


OUR POLICY COVER



Allows for a max. 4 children.   Additional children @ R18.00 - R22.00 per child, max. 4 children.
Allows for a max. 8 adults.     Additional adults @ R20.00 - R320.00 per adult, max. 8 adults.
For the extended family members, age based prices are applicable.

Premium increase wef 1 June 2015

 





CLAIMS



We have a centralised claims call centre. All claims are paid within 48 hours of the insurer receiving all the required documents

There are no medicals required.

 

ASIPHILE Legal Assist

Professional Legal Cover is for everyone

Asphile Legal Assist

 

LEGAL ASSIST

Exorbitant legal costs can cripple one financially, make the responsible choice and select a policy
which will fiscally assist you to cover you when you need it most.

LEGAL ADVISORY SERVICE

R 28,00 PER MONTH


• Full telephonic legal advice service
• Staffed by attorneys and/or legal advisors
• Unlimited in terms of frequency
and type/nature of enquiries
• Available between 08h00 and 16h00
on business days
• Includes but not limited to;
family law; criminal law; law of contract.

INDIVIDUAL LEGAL COVER

R85,00 PER MONTH


• Legal representative to the value of
R40 000 per year
• R15 000 per case
• Unlimited telephonic advice
• Unlimited access to standard legal
documentation
• Available 24 hours per day, 7 days per week
• Free wills and testament service
• Reduced rates on property transfers
• R5000 bail cover

FAMILY LEGAL COVER

R 105,00 PER MONTH


• Legal representative to the value of
R80 000 per year
• R15 000 per case
• Unlimited telephonic advice
• Unlimited access to standard legal documentation
• Available 24 hours per day, 7 days per week
• Free wills and testament service
• Reduced rates on property transfers
• R5000 bail cover



OUR POLICY COVER



This product offers the policy holder the benefits of legal advisory services,
individual legal cover as well as family legal cover in the event where legal services may be required.
The Legal Assist is fully registered and fully liscenced, it is compliant with all the requirements of the Financial Services Board
as well as administered by an authorised Financial Services Board.





CLAIMS



The Legal Assist Policy provides a centralised claims call centre,
48hr claim cycle, the security of a 'blue chip' underwriter,
a secure policy number as well as a a fully compliant policy document.

 

C O N T A C T    U S

 

Give us a call, we would love to assist.

 

contact ASPIS

Email: info@aspis.co.za
Telephone: +27 (0)31 818 0005

Postal Address:
PO BOX 467
Kloof
3640

Physical Address:
45 Old Main Road
Kloof
3640