medical aid
Traditional disability assurance is based on whether or not you are physically able to work. Occupational Disability assurance is generally divided into (a) own occupation, (b) own or similar occupation or (c) any occupation. These definitions will determine whether you
If your ex-spouse has maintenance obligations towards your children, it is advisable to protect these payments by ensuring that the maintenance payer has sufficient life cover and that your minor children are named as beneficiaries.
If a couple is living together as ‘husband and wife’ but are not married, there is effectively no marriage capable of dissolution and there can be no transfer of pension interest benefit.
A young couple entering into an ante-nuptial contract generally has very little net worth and, as such, often record their respective commencement values for accrual purposes as zero. However, for couples marrying later in life, their ante-nuptial agreements may be
Most life insurers, banks, unit trust companies and LISP platforms offer Tax Free Savings Accounts (TFSA) which are easily accessible and attractive to those wanting to reduce their tax liability, and fees will vary from provider to provider.
Not updating your Will after your divorce can have disastrous consequences and may result your spouse unintentionally inheriting from you.
As your teenagers get older, you will need to start planning for large expenses such as vehicles, tertiary education, overseas school or study opportunities, exchange programmes and even weddings.
As with dread disease, disability insurance can be a technical minefield as it varies from insurer to insurer and comes in different forms and under different names. Significantly, there is a difference between traditional disability insurance and functional impairment assurance,
Avoid the temptation of buying too much car for your purposes as it will only serve to burden you with extra costs such as higher insurance premiums, fuel costs, tyre replacements, and expensive spare parts and services.
While a Will is used to direct the distribution of your assets after your death, a Living Will is designed to provide your loved ones and medical practitioners with guidance as to how you wish to be cared for while
