by AYANDA NGCETHE, CFP®️ | Sep 25, 2026 | Critical illness, Disabitlity, Life Insurance
Life insurance is often misunderstood as one simple product that only pays when someone dies. In reality, a well-structured life insurance policy can include different types of benefits designed to protect your family, your income, your health, and your estate. The...
by AYANDA NGCETHE, CFP®️ | Aug 31, 2026 | Disabitlity
Many South Africans assume disability insurance is only for people who do physically dangerous work miners, construction workers, truck drivers, factory workers, or people who spend their day on the road. So, if you work in an office, use a laptop, attend meetings,...
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®️ | Sep 22, 2022 | Financial Planning, Portfolio
Do you have a disability insurance? If you don’t, you must know you need it. Disability cover is not just an insurance. You need disability provision to protect your earning. Should you get disabled, will you be able to continue working? Will your house be modified to...
