by AYANDA NGCETHE, CFP®️ | Oct 14, 2026 | Life Insurance
Whole life insurance is often marketed as more than just life cover. Because it can provide lifelong protection and may include a savings or investment-style component, many people ask an important question: “Is whole life insurance worth it as an investment?” The...
by AYANDA NGCETHE, CFP®️ | Oct 12, 2026 | Life Insurance
When you apply for life insurance, the insurer needs to understand your health risk before deciding how much cover to offer and what premium you should pay. This is where medical exams come in. A medical exam helps the insurer assess your current health, identify...
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...
