When drafting a Will, an important consideration is not only who should inherit, but also whether those beneficiaries will be in a position to manage their inheritance themselves. In certain circumstances, leaving an inheritance directly to a beneficiary may not…
Most people know that having a Will is important. Yet it is one of those documents that is often postponed, forgotten about, or drafted once and never looked at again. September is Wills Month, making it a good opportunity to…
The rainy season is approaching, and now is a good time to make sure your home is ready before the first heavy storms arrive. When it comes to water damage, prevention is often far easier, and less expensive, than dealing…
August is National Organ and Tissue Donation Awareness Month in South Africa, a time to have the conversation that many of us keep putting off. The Reality of Organ Failure in South AfricaKidney failure is a growing concern in South…
You’ve updated your Will and clearly stated who should inherit your assets. So that means your life insurance will automatically follow the same instructions… right? Not necessarily. This is an important part of financial planning that is often misunderstood. Your…
When you apply for life, disability or income protection cover, your insurer considers more than your job title. The work you actually perform, where you perform it, how often you travel and the activities you take part in may all…
Most people insure their car. Many insure their house.But very few insure the one thing that pays for everything… Their monthly income. Here’s something many people don’t realise: If you become too ill or injured to work, an Income Protector…
Will I ever get something back from all the premiums I’m paying? Read that again. It’s a question thousands of South Africans have asked themselves. Every month the premium goes off. Year after year. Most people believe there’s only one…
Saving and investing should not only be something you think about when you retire. Voluntary investments allow you to invest money outside of compulsory retirement products, giving you more flexibility and access to your funds depending on the type of…
An insurance excess is the first amount payable by the insured in the event of a claim. Many clients compare policies mainly by looking at the monthly premium. While the premium is important, the excess structure is just as important.…