Crescendo Financial Services

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1 Crescendo Financial Services Intermediary Services and Financial Planning that brings music to your Ears Crescendo Financial Services is a Juristic Representative of Peter Veal School of Insurance, an authorized financial services provider FSP no: Funeral

2 Established in 2000 Prime Objective: Embedded Funeral Solutions Financial Stability These products are underwritten by ASSUPOL Administration to the scheme is shared between Crescendo Financial Services and the underwriter aligned administrator. All parties and services providers are registered with the Financial Services Board

3 Providing Value-Added Services Maintaining our role in the Funeral Industry Corporate Values & Quality Service Social Responsibility We CARE!! Competitive in Market No Limits on Extended Family Members No Limits on Children No Medical Examination required

4 Crescendo Financial Services Intermediary Services and Financial Planning that brings music to your Ears

5 FAMILY PLAN QUOTATION for UTATU SARWHU MEMBERS CATEGORY OPTION A Principal Member R 10,000 Spouse R 10,000 Child R 10,000 Child 6-14 R 7,500 Child 1-5 R 5,000 Child 0-11 months R 2,500 FAMILY EXTENDED FAMILY Commuter Plan Assupol On-Call Product Family Income Benefit (R1000 x 6) included included included Monthly single rate - below 65yrs at entry Monthly family rate below 65yrs at entry R (debit order fee incl.) R (debit order fee incl.) BEEF OPTIONAL EXTRAS PREMIUM COVER Extended Members below 65yrs at entry R R Extended family 65 74yrs at entry R R TOMBSTONE Extended Member 75-85yrs at entry R R Tombstone Policy Main Member and spouse only R R Beef Policy - Main Member and Spouse only R R Catering Policy R R

6 ACCIDENTAL DEATH BENEFIT *In the event of the accidental death of an assured life covered under the Basic Plan, the following assured amounts will be payable: R R R for Main Member and Spouse per Child maximum sum assured per Family involved in the same accident COMMUTER PLAN *However, if the accident occurred whilst the member is travelling on public transport i.e. taxi, bus or train, then the assured amounts will be doubled: R R R for Main Member and Spouse per Child maximum sum assured per Family involved in the same accident ACCIDENTAL PERMANENT DISABILITY BENEFIT *Should any one of the assured lives become permanently disabled as a direct result of an accident, a percentage of the sum assured will be payable. *[The percentages specified below are % of the Capital Sum Insured applicable to the Insured Person] Death 100% Loss of Hand 100% Loss of four fingers and one thumb of one hand 50% Loss of four fingers of one hand 40% Loss of thumbs - both phalanges 25% *Initial: Loss of sight of eye 100% Loss of lens of one eye 50% Loss of foot 100% Loss of toes - all on one foot 15% Loss of hearing - both ears 75% Loss of hearing - one ears 15% Injuries resulting in Permanent Total Disablement or total paralysis, or being permanently bedridden 100% Where the injury is not specified, Underwriters will adopt a percentage of disablement which in their opinion is not inconsistent with the provisions of this Scale.

7 ON-CALL PRODUCT PRODUCT DESCRIPTION BENEFIT HIV / AIDS INFORMATION AND ADVICE LINE HIV / Aids starter pack and morning after pill in the event of accidental exposure MEDICAL INFORMATION AND ADVICE LINE EMERGENCY AMBULANCE SERVICE Response to any / all medical emergencies Transportation to the nearest appropriate medical facility Transfer to special centres No Financial Limit Full Service No Financial Limits No Financial Limits No Financial Limits Non-Refundable Hospital Admission Guarantee R Companionships of stranded minors Transfer of Life Saving Blood & Medication TRANSPORTATION OF DECEASED & BEREAVEMENT LINE Bereavement Help Line Access to specialist Psychologist relating to child death Assistance with Funeral arrangements Legal Information and advice Line ONLY related to Death / Funeral related matters - (Assistance with Estates, Wills, Trusts and Testaments) Transportation of Deceased No Financial Limits No Financial Limits Service No Financial Limit Transport of family to the funeral km = R400 > 150km = R TRAUMA COUNSELLING HELP LINE TUTOR LINE FINANCIAL INFORMATION AND ADVICE Up to maximum R Benefit Beneficiaries Territory of Cover Principle Policyholder, one nominated Spouse, dependant children under the age of 21 years Beneficiaries as nominated and defined on CRESCENDO FUNERAL Policy South Africa, Swaziland, Lesotho, Namibia, Zimbabwe and Mozambique (below the 22 degree parallel line). The Policyholder and Beneficiaries must reside in South Africa

8 Tombstone Policy The family selects a Tombstone of their choice to the Value of R at time of claim for only R25 per month. Beef Top up Policy For the family to cover their Meat costs to the Value of R7 000 at time of claim for only R25 per month. Catering Policy This product is designed to take the financial burden and stress off the shoulders of the mourning family and loved ones. By taking out funeral/catering cover you can expect for all the expenses to be covered and for assistance to be provided for the actual ceremony planning and management. Our catering package allows for catered services to the value of R for only R35 per month.

9 Claims will be settled within 48 working hours if all the necessary documents are received and properly certified All funeral benefits are classified as assistance benefits, and have no paid-up, surrender or maturity values. Members of the Scheme are data captured. Only members on risk are entitled to benefit for the month in which the premiums are paid. New Members: A six (6) month waiting period will apply to all new Members & Dependents joining the scheme. Accidental Death: No waiting period will apply for Accidental death. Suicide: There is a twenty four (24) months waiting period on death due to suicide.

10 Financially Sound Company Excellent Claims History Unique Policy Offering Competitive Premiums Crescendo Financial Services Value Adds

11 Crescendo Financial Services Intermediary Services and Financial Planning that brings music to your Ears Crescendo Financial Services is a Juristic Representative of Peter Veal School of Insurance, an Authorized Financial Services Provider FSP no: 39822

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