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In insurance terms, risk is the chance that something harmful or unexpected could happen to you or to your possessions.

At LBR we believe that your most precious possession is your ability to earn an income, and this is what we focus on when assisting families and individuals with their financial planning.

We provide advice on estate planning right from assisting with the drawing up of your Will to ensuring that your Will can be executed (is liquid).

We also focus on income protection in the event of disability or impairment and critical illness (dread disease) protection in the event of a major medical event such as a heart attack, stroke or cancer amongst others.

We also do Medical Aids and Gap Cover to cater for major medical expenses and the shortfalls that might occur when you need to be hospitalised or undergo a major operation or procedure.