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When it comes to personal investments, taking care of your family should be your first priority.
Even in times of economic recession, perhaps even more so, a life policy is one of the last things you should consider cutting if you have one already. If you don't, seek the help of a financial advisor if necessary to show you how you can adjust your budget to accommodate this type of insurance.
All those unnecessary entertainment, fast food and credit card expenses can easily be reduced and replaced with a life-policy investment – all it takes is foresight, planning and discipline.
It's one way of ensuring that your family will be taken care of in the instance of your untimely death. When you die, the policy pays out immediately to the beneficiary specified. If you're married, it should be your spouse, and if you have children, who are still financially dependent on you, you can rest assured that they will all be able to continue to live in the manner to which they've been accustomed.
Request a quote online to determine how much cover you need. It is calculated according to your age and current situation, but you can work on R1 million's worth of insurance to provide for R4 000 in monthly income for dependants.
After your death, a successful claim will result in a cash payout that can be used at the beneficiary's discretion, whether it's to relieve them of outstanding debt or to pay off a home loan.
A life policy can be purchased online by applicants between the ages of 20 and 65, without undergoing a medical examination. Premiums can be increased every year in line with inflation. You can also increase, decrease or cancel them at any time, without attracting penalties.