gap cover
Our ability to afford dread disease cover both now and into the future is paramount, so pay particular attention to your premium pattern and how you can expect your premiums to escalate over time. Importantly, ensure that your dread disease
Depending on the nature of their retirement income, the death of the first spouse may impact their retirement income and it is important to understand what the surviving spouse would receive in terms of income going forward. It’s also important
Your proximity to children, grandchildren and family, bearing in mind that if you do not intend to live close to your loved ones you will need to build travel costs into your post-retirement budget.
A continuation option allows you to convert your group life cover into personal cover within 60 days of leaving your employment without having to undergo medical underwriting which means that you are likely to enjoy more favourable premiums.
Delaying your planned retirement by even five years will affect your investment horizon, your draw-down timeline, and subsequently, the level of risk you are able to take in your investment strategy.
As trite as this may sound, not knowing where your money is going each month can be a huge source of anxiety. Too many bank accounts, retail accounts, debit orders and budgetary expense items can leave you feeling out of
Running a single-income household, single mothers know and understand the importance of careful budgeting. With only one person generating an income and managing outflows, budgeting for a single mother is easier to centralise and manage.
If you’re fit and healthy, you may want to remain in the family home for longer. You may also not feel ready to enter into a retirement home or village while you are still enjoying good health, which is understandable.
