Is it better to use life cover or an education protection plan to ensure that your child’s education is provided for in the event of your death? Every September, which is “Wills Month”, there is a focus on estate planning and drawing up your will....

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Death taxes and fees
Dying is an expensive business, and not only because of the cost of the funeral. There are multiple death taxes and fees that need to be paid when someone dies. If you don't plan for these, they will reduce the value of the legacy you were expecting to leave your...

You’ve caused a minor car accident – what’s next?
Ernest North, co-founder of fully digital platform Naked Insurance, takes us through the steps to follow if you've caused a minor car accident. Few of us will get through a lifetime of driving without causing a minor car accident or two - whether that's...

Listen: The impact of Covid-19
In this fourth and final podcast of our four-part series “Life behind the numbers”, in partnership with Discovery Life, we look at the longer-term impact of Covid-19 and provide some advice as to how to adjust your lifestyle to manage the risks of so-called "long...

Listen: Cancelling out cancer
In this third podcast of our four-part series “Life behind the numbers”, in partnership with Discovery Life, we look at the importance of protecting ourselves against the risk of cancer. Cancer can affect anyone, at any age. The number of insurance claims due to...

Listen: Protect your child’s education
In this second podcast of our four-part series "Life behind the numbers", in partnership with Discovery Life, we look at how you can use life cover not only to provide for the unexpected, but also to save towards your child’s education. I have two sons, with the...

Listen: How your lifestyle choices can reward you for life
In this first podcast of our four-part series “Life behind the numbers”, in partnership with Discovery Life, we look at the data to understand how our lifestyle choices influence the outcomes of disease and mortality risk. What can we all do today to have a positive...

You could have building cover without realising it
Deshni Subbiah, chair of the Short-term Insurance Committee of the Actuarial Society of South Africa (ASSA) explains that homeowners may have building cover without even realising it. If you are repaying a home loan but didn’t take out comprehensive building cover...

Is medical insurance the solution to high medical premiums?
With many South Africans unable to afford medical schemes, medical insurance is filling in the gap. But you need to be aware of its limitations. Medical schemes are becoming increasingly unaffordable for the average South African household. Statistics show that only...

Flood damage: are you covered?
The flooding across KZN has caused major damage to property. The good news is that most short-term insurance contracts will provide cover for weather-related incidents, which includes flood damage. According to Fanus Coetzee, Head of Claims at Santam, comprehensive...

Surge in death claims during Covid third wave
The Association of Savings and Investment South Africa (ASISA) recently released death claims figures which left no doubt as to the true impact of Covid-19 when it comes to mortality rates. Industry-wide figures from South African life insurers show that there was a...