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Your business: how to structure contingent liability insurance

18 July 2014

As a business owner, signing surety on behalf of your business – for instance for a loan, overdraft facility or asset finance – can be risky. The most effective way to protect yourself is by taking out contingent liability insurance. Without it, your personal estate may be affected if you should die or become permanently disabled, with possibly dire financial consequences for both your business and your loved ones.

Your business: understanding the implications of signing surety for business debt

18 July 2014

John was the owner of a successful picture framing business built up over many years. Like most entrepreneurs, John needed external funding to start up his venture, and signed surety for a bank loan to help his business grow. Unfortunately, John did not put any protective measures in place to secure his debt, and when he passed away unexpectedly, his business not only had to be closed down, but his executor had to repay the loan from his estate, leaving his family in dire financial straits.

Optimise your savings by using electronic banking channels

08 July 2014

So you are rigorous with your budgeting and you already have a sensible savings plan. With July being National Savings Month in South Africa it might be the right time to consider taking the next step in your savings journey.

There is just no excuse anymore – the time for saving is now

08 July 2014

There are a variety of savings schemes for lower income earners in South Africa today, both formal and informal.

quick poll

Question

Do you think short-term insurance broking will survive the AI plus humanoid robotics age?

Answer

Human first always Not a chance Possibly maybe Yes, but reimagined

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Endowments, used smartly, can create immense value

04 July 2014

Life-stage financial mistakes to avoid, for the sake of your security

27 June 2014

Prepare for 30 years’ unemployment! – that’s the warning to top earners from Imara

24 June 2014

Positive changes for widows and orphans

10 June 2014

Financial Services Laws General Amendment Act changes: Living Annuities and divorce

06 June 2014

The link between lifestyle habits and claim experiences

05 June 2014

Jointly owned bank accounts in the British Isles - pitfalls and planning strategies

29 May 2014

UK student loan repayment stats highlight similar SA issues

28 May 2014

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Life Insurance / General