Our Practice · Pillar I
Protection &
Legacy
Life Cover, Critical Illness, Disability, Income Protection, Keyman, Shareholder Insurance. Wills and Trust structures to safeguard your family and business across generations.
01
We source life and critical illness cover from international providers — typically denominated in dollars or sterling — to ensure your family is protected regardless of what happens to local currencies. Policies are structured to sit outside your estate for maximum tax efficiency.
02
Your ability to earn is your most valuable asset. Income protection insurance ensures that if illness or injury prevents you from working, your lifestyle and financial commitments are maintained. We source policies from international providers with strong claims records.
03
For business owners, the loss of a key individual can be catastrophic. We arrange keyman cover that protects your company, funds buy-sell agreements, and ensures business continuity. Shareholder protection ensures that in the event of death or disability, remaining shareholders can acquire the departing partner’s shares without financial strain.
04
Estate law across African jurisdictions, combined with cross-border asset holdings, creates complexity that most families underestimate. We work with specialist estate attorneys to draft wills and establish trust structures that ensure your assets pass to the right people, in the right way, with minimal tax leakage and no probate delays.
05
For families with significant wealth, offshore trusts remain one of the most powerful tools for asset protection, tax planning, and intergenerational transfer. We advise on trust structures in Jersey, Guernsey, Mauritius, and South Africa — selecting the jurisdiction that best fits your circumstances.
Next step
Protection planning is most effective when it is done early and reviewed regularly. Let us assess your current position and identify the gaps.