12 Questions to Ask when Reviewing Your Life Insurance Coverage

I recently came across an article about an expectant mum who found out she had stage 4 cancer at age 33. Feeling the unpredictability of life, I’m compelled to write this piece. Reviewing your life insurance coverage is a crucial part of financial planning and there are some key questions to ask to ensure you…

Should I get Disability Income Insurance?

and y How would you get by if u lose your ability to work and earn a paycheck every month? Financially speaking, working disability is worse than death. Our earning ability is our greatest asset and you are the golden goose that lay the golden eggs. Most insurance policies only pay when the golden goose…

What Is A “Deductible” or “Excess”?

A deductible or excess is something you have on your policy when you have either, Hospital & Surgical coverage or Motor coverage. And its a dollar amount – it could be $500, $1000 or $3,000. Quite simply put, the deductible is what you are responsible for, before the insurance company pays out anything on your…

Importance of Overseas Medical Coverage

There is an essential aspect of Medical Insurance which some of you may not know – having overseas coverage. To illustrate the importance of it, below is the story of my colleagues’ client. She is a 9 years old girl, who was diagnosed with Brain Cancer in 2014. After 2 weeks of treatment, her doctors gave up as the…

Why We Shouldn’t be Bothered with Fear-Mongers

There is much fear–mongering in the different media which we are exposed to everyday. Take a look at the money section of any website, newspaper or magazine and you will find stories warning you about the Chinese economy, the Federal Reserve’s interest rate policies, the impact of the U.S. presidential election, global oil markets and…