Have you checked up on the levels of cover of your life and TPD insurance? Will your policy provide your family with enough funds to manage financially if you should pass away suddenly or become permanently disabled?  Furthermore, there are two types of TPD cover. One covers you if you are deemed to be unable […]

It is now 25 years since the first ‘trauma or critical illness’ policy was issued in South Africa. Marius Barnard, a member of the pioneering heart transplant team saw patients dying when he believed they should have recovered.  A trauma policy pays out if you are diagnosed with a medical condition defined in the policy. […]

At different stages of life you may want to adjust your personal insurance needs to protect your lifestyle and your financial security. Life insurance is more than just a lump sum payment to your family upon your death.  Under the umbrella of life insurance, there are a number of insurance policies that have been designed […]

Private health insurance – it can be a minefield to navigate and a big decision for many people. Hospital, extras or both? Which fund? What do all the rebates, thresholds and surcharges mean? Here we look at what the future holds for the industry, recent legislative changes, and how you can make the most out […]

What are the risks? For most people, the major risk is loss of income – either permanently or in the short term. Without an income you will find it difficult to meet your living expenses, repay debt or create wealth. What would happen if you could not earn an income for six months or a […]