Tag: Life insurance
-
Does your life insurance cover traumatic injuries?
Your critical illness cover is there to help you with the additional expenses that come with a serious illness or injury. But does your cover consider traumatic injuries when assessing your claims? Here are some important questions to ask when getting critical illness cover. 1. Should my critical illness cover include cover for injuries? Yes…
-
The future is in your hands
The world is rapidly changing and with these changes, such as the emergence of Artificial Intelligence (AI), many professions may seem to be under threat. However, the thing that research shows is that people still value human interaction. While technology can help simplify many things, consumers still want to speak to qualified professionals when it…
-
Life insurance should be part of your 2025 financial resolutions
Life insurance often takes a back seat when it comes to financial planning, but it’s one of the most crucial steps toward securing your future and protecting your loved ones. As you reflect on your financial goals for the year ahead, making life insurance a priority can be one of the smartest decisions you make.…
-
Do you know when your insurance premium guarantee expires?
Changes in mortality and lapse rates leave policyholders with a nasty premium shock.
-
Protect your business legacy: Life insurance for SMEs
Small and medium enterprises (SMEs) are pivotal to South Africa’s economy, driving innovation, job creation, and economic growth. However, they are often vulnerable to financial and operational disruptions if the owner becomes disabled or passes away unexpectedly. The sudden loss of a business owner can lead to complex challenges, such as settling debts, transferring ownership,…
-
Behavioural economics: Emotions play a role in how you make financial decisions
Imagine a world where every financial decision was made with cold, hard logic. No emotion, no bias – just numbers. The real world doesn’t operate that way. This is where behavioural economics come in. When it comes to life insurance, understanding the quirks of human behaviour can make all the difference to help you protect…
-
How to afford escalating life insurance premiums
In the current cost-of-living crisis many people are reconsidering their life insurance because the premiums are too high.
-
Understanding how your insurance cover and premiums will grow
Affordability is a key part of most people’s thought process when buying life insurance. While it is important to have premiums that you can afford today, it’s even more essential that your premiums remain sustainable in the future, so you can keep your cover. Premium funding patterns play an important role when it comes to…
-
Did you know that insurance companies offer cover for home executives?
Taking care of a home and children is one of the most important jobs anyone could have. Despite home executives taking care of many duties, covering them should they suffer a serious illness or injury, or should they even pass away, is not something we consider when taking out life insurance. Why it’s important for…
-
How the COFI Bill is providing enhanced financial transparency
The South African financial services sector has undergone sweeping regulatory reform over the past 15 years, aimed at improving the governance and accountability of financial institutions. These reforms have been crucial in securing better outcomes for the people served by the sector. The Conduct of Financial Institutions (COFI) Bill represents a major leap forward and…