disability cover
We all know that medical inflation outstrips consumer inflation by around 3% - 5% per year, and it is, therefore, essential that you build these increases into your post-retirement budget. However, there are a number of other factors that should
Diabetics can face a number of healthcare complications including heart disease, stroke, blindness, kidney failure, peripheral vascular disease, and possibly amputations and, when it comes to retirement planning, it is important to factor in the costs of healthcare as you
Generally speaking, group life cover provides more favourable underwriting outcomes at more cost-effective premiums, so the starting point when developing a risk strategy is to maximise the group life cover available to you.
Differing value systems when it comes to money can create enormous tension in your relationship, especially when children enter the mix. In preparing for marriage, use probing questions to explore your partner’s financial value system. What does financial freedom look
If you own shares in a business together with other shareholders, it is advisable to put what is termed buy-and-sell cover in place on the lives of the shareholders – specifically where you have a large portion of your wealth
Full disclosure on your insurance application form is critical to ensure that your claim is not rejected at claims stage. Remember, even a seemingly small non-disclosure which has no relation to one’s disability can result in your claim being rejected
With the added advantage of being subject to group underwriting as opposed to personal underwriting, group life cover is generally more cost-effective than if you were to take out cover in your personal capacity. Group life and disability cover is
Retiring from your retirement funds marks the transition from saving towards retirement to drawing from your capital and pitching your draw down rate at the right level at the outset is critical. The 4% rule, which has its critics, assumes
A retirement at age 55 means that you still have a potentially long-term investment horizon and, as such, you will need to ensure that you are invested appropriately for this time period. You will need to ensure that your investment
As a single parent, if you are unable to generate an income, you will not have a spouse or partner whose income you can fall back on. An income protection benefit is an excellent way of ensuring that you will
