About Us

So what is ‘Insurancefundi’ all about?

Insurancefundi was created specifically for our clients. We needed a platform for them to discuss all their insurance related questions.  The same old questions kept coming up, so we finally decided to create a blog. This way, instead of repeating ourselves over and over again, we say it once on the blog. An added bonus is that we got to speak to everyone more often!

If you happened to stumble upon this blog, then by all means, welcome!

If you happen to enjoy our open and honest approach to the subject then maybe, in time, you’ll want to become one of our clients too…but hey, no pressure, ok?

What will we be discussing…?

• Life Insurance - Tips for ensuring that you get what you thought you were paying for
• Motor and Household Insurance - How to make sure that you don’t get burned when it comes time to claim
  
• Healthcare - Everything you need to know about the third biggest expense in most households today
• Estate and succession Planning – Making sure that the right people inherit and at the least possible cost to them
  
• Pre Retirement planning – Identifying how much you need, which investments to use, and how to do it all tax efficiently
• Post Retirement planning – Deciding on what income you need each month, what type of annuity to purchase, and how to do it as tax efficiently as possible
• Business Insurance – Making 100% sure that if you lose an asset – whether it’s man or machine – that your business doesn’t sink

Have you ever asked yourself any of these questions?

• I know I need insurance but…what do I need – how much do I need – and what will it cost?
• I want life insurance but don’t understand how it works. Where can I find someone who knows what they’re talking about and who won’t rip me off?
• I want to find out what happens to my home if I die and don’t have a will. I don’t want to call a financial advisor because he’ll try and sell me something.
• I’m up to here with it all…I’ve lost my kids, the house, and now he/she wants half my pension! Who’s going to end up paying the tax on that?
• Can you tell me why my motor insurance keep going up, but my car’s value has dropped ten grand in the past year?

Let’s face it…we all have some or other question about insurance that needs answering. Usually the only time we ever ask questions is when our insurance company says “sorry, we’re not going to pay your claim!”

Insurancefundi was set up to answer these – as well as tons more – of your questions

Useful tip
The most important time to ask questions is
before you buy the insurance - not after!

So what should you do when you need insurance?

Well you can:

• Google “insurance brokers” on the Internet and give them a tinkle…but how are you going to know whether they’re any good?
• You could get lucky and have some poor sod phone you up asking whether you’re interested in having a ‘financial plan’ drawn up. The great thing about this is that you can have all your questions answered and then tell him that you’ll get back to him. Only problem here is he keeps hounding you for weeks and weeks. “Hi, Lawrence here again…I’m just following up.”
• Google “insurance” on the Internet – click on one of the ads advertising ‘cut out the middleman – and buy as much cover as you can afford. Heck, it’s easy to buy and even easier to stop! They’re right…why call a broker and go for blood tests anyway? Here I don’t need to any at all!

Of course there is a better way…

• Find someplace on the internet which answers most or all of the questions you might have…
• Get a ‘gut feel’ about them and decide whether they’re interested in helping you…or helping themselves.

• Then using the knowledge you’ve gained, approach a broker of your choice and ask him or her to help you in preparing quotations from various companies on a ‘comparing apples with apples’ basis.

For some of you Insurancefundi will do all of this…for others finding your own advisor will be a better option. At the end of the day it boils down to what’s best for you!

Insurancefundi is not just about buying insurance either!

Over the past nine or so years we’ve heard people asking us the same questions over and over again. Even questions from people who’ve already bought insurance someplace else…Questions like:

• “What happens when the 10 year guarantee comes to an end? Does my life cover fall away? What about all the money I’ve paid in over the 10 years – Do I lose it all?”
• “How come my premium goes up each year but the cover doesn’t?”

We plan on answering all these questions for you…and if you can’t find the answer you’re looking for, then let us know. We always need fresh ideas for new articles!

Even more importantly, insurance fundi…

Is about creating a platform for discussing insurance related matters

A case in point is the ‘same old same old’ we’ve been listening to for the past nine years.

“Cut out the middleman – no broker fees!”

“Our premiums are 20 to 50% cheaper!”

“No medical exams required!”

Shouldn’t we be asking…With all this ‘noise’ being made – isn’t this a case of the pot calling the kettle black? Why mention things like ‘broker’s fees’ other than to subtly discredit those whose profession is insurance? Are we to assume that they take no fees at all?

Let’s be honest, who’s more interested in your wallet…the guy shouting from the rooftop that he’s the cheapest or the guy who listens to what you want before recommending a tailor made solution?

We’ve got an opinion on this, and we’re hoping you do too…so let’s start talking.

After all, that’s the reason why we created Insurancefundi!

And on a sidenote…here’s photographic evidence to show you that we don’t take ourselves too seriously!

Can you believe that we actually paid someone to make fun of us?

Back in my schooldays I can remember them doing it for free!

So why don’t you skip the bits about Lawrence and Brendan and kick off by clicking on the New Visitors tab.