Budgeting we all need to do it

A recent survey we found says that over less than ¼ of households in South Africa budget. An interesting thing to consider is a poll asking the question should businesses have a financial strategy and budget. Do you think only ¼ of South African’s would think...

Retirement Top Up

Retirement Annuity Top Up Season You may have heard several people by now talking about meeting with their advisor regarding a “Top up” for their RA. What does this actually mean? SARS allows taxpayers a deduction in their taxable income if they contribute...

Premium Patterns and Cover Increases

In this installment we will be discussing Premium Patterns and Cover Increases. This determines whether you can afford your cover in years to come, knowing what to expect helps you to budget better. It is also important to be aware of the differences in order to make...

Income Protection Waiting Periods

Keeping with our theme of income protection this next blog explains the basics around choosing a waiting period. What is a waiting period? The brief explanation A waiting period is the time you need to wait from a claim event occurring until the day of your first...

Comparing Definitions of Disability

Following on from previous post Basics of Income Protection, this article will cover the differences in definitions of income protection. As previously mentioned with insurance companies the devil is in the detail. Important to note the definitions in your policy...