life cover
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.
In the event of your death, the funds held in your retirement annuity do not form part of your deceased estate and are not included when calculating your estate duty liability or executor’s fees – meaning that your RA effectively
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
When applying for life insurance, you will be required to provide information on your smoker status and insurers rely on you to provide accurate information in this regard. If you are a smoker, your premiums will be adjusted upwards to
Understanding exactly how your benefit is structured is important as it generally impacts on your other long-term insurance benefits. At the outset, it is essential to know whether your benefit is a standalone or supplementary benefit, or whether it is
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
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. If you’re working towards a delayed retirement, ensure
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
Don’t hesitate to have those difficult financial conversations early on in your marriage. Is there a financial demanding ex-spouse or child that is causing tension in your relationship? What happens if you need to provide financial assistance to your elderly
