by AYANDA NGCETHE, CFP®️ | Sep 9, 2026 | Life Insurance
A common concern many people have when applying for life insurance is: “Can I still get cover if I already have a health condition?” The simple answer is yes, it may still be possible to get life insurance with a pre-existing condition, but the outcome will depend on...
by AYANDA NGCETHE, CFP®️ | Sep 2, 2026 | Life Insurance
When people start looking at life insurance, one of the first confusing questions they face is: “Should I choose term life insurance or whole life insurance?” Both types of cover are designed to pay a benefit when the insured person passes away, but they work very...
by AYANDA NGCETHE, CFP®️ | Aug 26, 2026 | Life Insurance
One of the most common questions people ask when thinking about life cover is: “How much life insurance do I actually need?” The honest answer is that there is no one-size-fits-all number. Your ideal life insurance amount depends on your income, debts, family...
by AYANDA NGCETHE, CFP®️ | Aug 24, 2026 | Life Insurance
South Africa has a serious protection problem and it is bigger than many households realise. According to the 2025 ASISA Life and Disability Insurance Gap Study, the country’s life and disability insurance shortfall widened to R50.4 trillion by the end of December...
by AYANDA NGCETHE, CFP®️ | Jul 20, 2026 | Financial Planning, Life Insurance
Death is never an easy topic to discuss, but avoiding the conversation does not protect the people we love. In fact, one of the most responsible financial decisions you can make is to ensure that your family will still be financially secure if you are no longer there...
