It’s life’s unpredictability that makes it necessary for us to ensure that we are as prepared as we can be, and this is precisely the role and purpose of a Living Risk Plan.

All publications, either in print or online, are on the hunt for eyeballs – it relies on your fear to click and read the article, your click represents money, don’t forget that. Headlines are seldom an honest representation of the facts.

Some years ago, there was an industry joke that all brokers start the conversation with “suppose you died”. While we can all see the humor, the reality is less funny.

One can hardly be blamed for feeling punch drunk and like we live trapped inside a looped horror movie to say the least. What then is our best approach in this current unpredictable market?

In difficult financial times history shows us that people are always tempted into investing in schemes that promises high rates of return on capital, and above average profit margins.

In a nutshell, income protection is a long-term insurance product designed to replace or supplement the policy holder’s income in the event of illness or injury which temporarily or permanently prevents the holder from earning an income.