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Get a head start in life with the right risk cover

20 June 2016 | General

Financial planning is a creative process. A successful financial plan relies on team work and requires both the adviser and the client to form a partnership for each party to understand one another’s role in the process. More importantly, a financial adviser needs to look beyond being a purveyor of products and endeavour to understand the unique needs of his or her clients.

Life insurance: keeping up to date with the changing market

09 June 2016 | General

According to a recent report, growth in the life insurance market globally has lagged behind the banking and manufacturing sectors and insurers are losing share to industry players not traditionally involved in life insurance. For example, asset management is being done by third party capital providers, marketing is being taken over by search engines like Google and the success of a product is often affected by online reviews. Whereas ‘cumbersome consumer interactions’ did not necessarily hamper success in the past, consumers increasingly require transparency, speed and flexibility.

Will you have enough cash when you or your partner dies?

08 June 2016 | General

We are often reminded that estate planning is an ongoing process rather than an event, but an aspect of the planning that is frequently overlooked, and not sufficiently emphasised, is the need for a sufficient amount of cash to be readily available when an individual dies – something which must be constantly monitored.