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How an education protection plan works

How an education protection plan works

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....

Getting a life cover payout in 48 hours

Getting a life cover payout in 48 hours

Ensuring that your life cover includes an immediate payment benefit is the key to getting a partial payout in only 48 hours. One of the main reasons for taking out life cover is to provide for your dependants after your death. If you have family...

Choose the right level of life insurance

Choose the right level of life insurance

When it comes to my investments and life insurance, I often do thought experiments. I ask myself the question: “What would happen if…”. Asking these questions is important to help you understand whether you have a financial plan that meets your...

Unveiling the truth about loadshedding insurance

Unveiling the truth about loadshedding insurance

Are you confused about what your insurance covers when it comes to appliance damage due to loadshedding? Is loadshedding insurance part of your policy? In this article we debunk misconceptions and shed light on vital policy details to help you...

Stress and cancer claims on the rise

Stress and cancer claims on the rise

Liberty's claim statistics for 2022 indicate an increase in cancer claims as well as claims related to mental health issues. The statistics reveal concerning trends about South Africans’ health, as well as their state of mind. While death claims...

How much life cover do I really need?

How much life cover do I really need?

When you have people who depend on you financially, life cover becomes a crucial part of your overall financial plan. But thinking about these issues at a young age can be a little overwhelming, and it's difficult to figure out the right level of...

“Agreed value” for your car insurance?

“Agreed value” for your car insurance?

It’s always a good idea to shop around for the best-value car insurance, but it’s important that you understand what you are paying for. One of the big differences in the cost of the premium is whether you are insured at retail value, market value,...

What to do if your car needs to be towed

What to do if your car needs to be towed

It’s something that happens to most of us at some point in our driving career: getting stranded at the side of a road with a broken-down vehicle. But do you know the right procedures to follow if your car needs to be towed? Whether it’s due to an...

A high-risk car will cost you more

A high-risk car will cost you more

The type of vehicle you buy not only affects the likelihood of you being a victim of crime, but also the amount you pay in insurance, so think twice before buying a high-risk car. The Crime Statistics report released in October this year found that...

Video: An underwritten life policy is cheaper

Video: An underwritten life policy is cheaper

If you are a generally healthy person, one of the ways to reduce the cost of life cover is to ensure that your policy is underwritten. You will know if your policy is underwritten if you were required to answer lengthy questions about your health...

Maya Fisher-French author of Money Questions Answered

Previous Articles

Death taxes and fees

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?

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

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

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

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

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

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?

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?

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

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...

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