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Life Insurance

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 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 Holistic Healthcare Planning is Essential!

Current statistics paint an alarming picture of the increasing prevalence of life threatening illnesses such as cancer and heart disease. No-one likes to think about contracting one of these ailments, especially when you consider that your medical aid benefits are unlikely to stretch far enough to cover all of the ...

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Thumbnail image for Are The Proceeds Of My Life Insurance Policy Subject To Estate Duty?

Life insurance pay-outs can be pretty hefty. I mean really big numbers that run into millions and millions of rands. One of the questions I always get is “Will the life insurance proceeds be taxed when it pays out?” And here I’m specifically talking about the policy being subject to ...

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Thumbnail image for Only 52% Of Life Cover Applicants Get Standard Rates!

It’s always interesting to find out who is buying life insurance. Is it still predominantly middle aged men? How many of them are getting cover at standard rates? Altrisk have just released fresh data on the profile of the average life insurance client that come onto their books in 2011.
No prizes ...

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