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Life Insurance

Thumbnail image for I’m On A Medical Aid I Don’t Need Critical Illness Cover!

I think my response to that statement would simply be “Are you 100% sure your medical scheme is going to provide you with sufficient cover if you get really really ill?” And if you can confidently say “I’m 100% sure they will!” then don’t read the rest of this article!
But you probably ...

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Thumbnail image for The 3 Biggest Reasons Why You Need Critical Illness Cover!

Nobody likes to think about getting seriously ill. “Life is for the living!” Hey, I couldn’t agree more. The problem is that “life” also tends to chuck us a few curveballs. And the curveballs sometimes come dressed up as nasty illnesses! Let’s be honest, everybody knows somebody who’s been diagnosed ...

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Thumbnail image for Impairment Or Disability Cover – What’s The Difference Dude?

No jokes! That was the subject line of the email that popped into my inbox. My guess is the “Dude” looking for the answer was in the market for some cover and had two proposals sitting in front of him. Before he could make a proper decision he needed the ...

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Thumbnail image for Does Your Life Insurer Really Know What You Do For A Living?

I’m writing this blog post because I recently picked up an interesting article in the paper (Saturday Star – Personal Finance – 31st March – Bruce Cameron). So what was jist of the story? This was the headline. “Life assurers reject disability claims if your job description isn’t accurate.” It ...

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Thumbnail image for How To Buy Life Insurance In Under 10 Minutes

If the thought of filling in a 10 to 30 page life insurance application, and then having to go for medicals, makes you darnright ill…then watch this video for an exciting alternative!

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Thumbnail image for Do I Need Additional Medicals Everytime I Want Extra Life Insurance?

You’ve moved into a bigger spot (and it’s coupled with a much larger mortgage), the wife’s got another bun in the oven and it’s become pretty evident that you need more life insurance. With your busy schedule the last thing you want is another needle jab in the arm and ...

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Thumbnail image for Is A Funeral Benefit Automatically Included In My Life Insurance Policy?

When you pass away your spouse is going to need some instant cash for a funeral (like in 72 hours). The problem is that life insurance pay-outs take a little longer than a day or two to finalize. So what now? How does your spouse get their hands on quick ...

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Thumbnail image for Is There Enough Money To Pay Your Executor?

“Life insurance and executor’s fees. What’s the connection?” If you die you need a valid Will!  And when you have a Will in place, there’s usually an executor whose been nominated to wind up your estate. And just like everyone else that executor needs to be paid. So where is ...

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Thumbnail image for The Wrong Life Insurance Premium Structure Can Cost You Mega Bucks!

Did you know that the premium you pay over to your life insurer each and every month is actually being used to finance the cover you have bought? But like any finance arrangement out there, you have several choices when you put pen to paper. The problem is that you ...

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Thumbnail image for Is It Possible To Leave My Life Insurance Pay-Out To My Kids?

You can leave your life insurance policy pay-out to whoever you like! I mean it’s your policy, you’ve been paying the premiums on it so why shouldn’t you decide who gets the money when you finally pass on. But before you consider leaving the money to your children, have you ...

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