Beautiful World we live in!

The world we live in, is just gorgeous! From the beautiful beaches in Clifton Cape Town to the amazing Eiffel tower in Paris, most people dream of touring the  wonderful world we live in, and rightly so.

However with dreams like touring the world, one has to handle certain responsibilities first so that the life you life is stress free. One of those things is Life insurance. 

Have you thought about what would happen to your family financially if you were suddenly taken out of the picture? Frank.Net is an amazing insurance company that offers life insurance in South Africa. So put those worries to rest and join FRANK.NET.

The benefits of investing in Life Cover from FRANK.NET are numerous:

There is a simple and direct telephonic application process.

There is no paperwork.

Our products all have affordable premiums based on your individual risk profile.

Your beneficiaries can receive up to R10 million paid as a tax free lump sum.

You can increase or decrease your cover to suit your changing circumstances.

Contact FRANK.NET on 0860 722 227 for a quote or to find out more about the advantages of taking out Life Cover.

Common mistakes when choosing life insurance companies

Getting life insurance could be the best thing you ever do for your family as well as your own peace of mind. You can approach death knowing that your family will have the money they need when you aren’t able to pay for their tuition, holidays and luxuries. While many life insurance companies in South Africa are waiting to help you do this, FRANK can empower you to make an informed choice.

Don’t be the person making mistakes when it comes to this important insurance because an oversight or untruth could leave your beneficiaries without a payout. You wouldn’t take it out if you didn’t want your family or friends to benefit from it and you won’t have another chance to get it right once you’re dead.

How to get whole of life insurance all wrong

No one can be expected to fully understand life insurance plans straight off the bat. This is why we want to explain some of the mistakes people make when buying life insurance and why these should be avoided:

1. They go through a broker – Why pay for a broker when you can get insurance directly from FRANK without a middleman? Skipping the middleman means you can go straight to the source if you have any questions. 

2. They leave it until the last minute – Some things are too important to postpone. The older you get the higher your premiums will be. If you were us, would you give life insurance to someone who was going to die soon? Probably not.

3. They rule themselves out before checking – If you’re an older person, you may feel like there’s no point in taking out life insurance. While putting it off for too long can be to your detriment, you may not be as much of a risk as you think. Speak to one of our agents to check whether you qualify for Life Cover.

4. They get put off because they don’t want to face death – No matter who you are, you’re going to die. Make sure your family is financially protected when you do.

5. They get restricted on their number of beneficiaries – Many insurance companies limit the number of beneficiaries you’re allowed to choose. FRANK lets you have up to 5. This way, you don’t have to choose between your family, friends and pets if you love them all equally. 

Original Source: FRANK.NET

GET A DIRECT SALARY INCOME INSURANCE QUOTE

What would you consider your most valuable asset? For many people, the answer would be their house, their car, their business or even their retirement fund, savings account or even life cover. However, at the end of the day, your most important resource is probably your regular monthly income that you receive from your employer. This facilitates your entire lifestyle from business to home. Have you ever thought about what would happen should you lose your paycheque due to illness, injury or retrenchment? How would you sustain your lifestyle while looking for a new job?

Finding yourself unable to work can be sudden and unexpected. However, there is a way to ensure that if this happens to you, your lifestyle won’t be impacted. An even more worrying scenario is if you’re the primary breadwinner in your household as your family depends on you. Protect them by investigating the options that are most applicable to your circumstances with a free direct salary income insurance quote from a reputable insurer.

Benefit from salary income insurance

If your home and possessions are insured but you haven’t thought about the benefits of taking out a salary income insurance policy, then you’re risking the means to support these assets should you be unable to work. Insure your salary so that if you become disabled or you’re retrenched, you’ll be able to sustain your standard of living with the payments provided by your insurer. Read on to familiarise yourself with the ins and outs of policies and claims:

• Your insurer will pay you up to 75% of your average monthly salary. Your pay-out is calculated using your previous earnings, which are based on your average monthly salary during the year before your claim. If your monthly salary varies, if you earn a sales commission for example, then the average is calculated using the 36 months prior to the claim date.

• As with your usual income, the monthly payments are taxable.

• Claims regarding retrenchment are only applicable if you’ve been covered for more than three months, are not self-employed or employed by a family member, and had no knowledge that you were being retrenched when taking out your agreement. Retrenchment is factored in only when your employer has to terminate your employment due to:

• Adverse business conditions
• The introduction of new technology
• Reorganisation of the business

• Remember to provide notice if you change your occupation, begin or quit smoking and join or stop any risky hobby or sport. Your selected pay-out and premiums may be adjusted accordingly. This clause is important for all types of insurance such as disability cover and even life insurance.

Source: http://www.insuranceandyou.co.za/get-a-direct-salary-income-insurance-quote-and-protect-your-most-valuable-asset/

The Health Benefits Of Taking Out Insurance

Insurance is the cornerstone of protecting your finances. It’s a way of looking after the things and people that mean the most to you. The benefits are numerous and will depend on what type of cover you’ve chosen. In some cases, you’ll receive pay outs for having an accident that leaves you unable to work, in other cases, your beneficiaries will receive money when you die. With insurance, you have the peace of mind that you can protect yourself and/or your family if life throws a curveball your way. As a result, taking out insurance can be good for your health.
Your provider should offer you the chance to decrease your stress levels, and enjoy a number of other health benefits with straightforward, easy-to-understand policies. After all, what good has stress and worry ever done anyone? You don’t have to feel the tension that often comes with the unpredictable nature of life. Enjoy the relief of having money when you need it, and, ultimately, enjoy life more.

Having insurance offers a number of benefits when it comes to your health.

• Peace of mind –Knowing that you’ll get money in times of need could save you a lot of hassle in case of accidents and unforeseen disasters. Insurance will, in such a situation, give you peace of mind.
• Relieving stress and anxiety –It’s not predictable when an accident or misfortune could befall you or your family. For example, you could be living in a beautiful home with all that you and your family could possibly want and need. But when you come to think of this precious asset, anxiety may easily creep in. What if something happens to you and you can’t maintain your home or more importantly, the lifestyles of the people in it?
  • What happens if the house gets repossessed – where will we stay?
  • If I die, who will take care of the funeral arrangements and costs?
  • Who would pay the household expenses if you had to pay hospital bills and the budget is already runing on maximum?

In fact, there are so many questions that can creep up and leave you in a state of anxiety. The loss would be too great to bear in case of any mishap unless you have an insurance policy such as life insurance to protect you against these and many other types of losses.
Whatever type of insurance policy you decide to take, whether it’s for financially protecting your property, your car, your kids or life cover for your life, the sooner you get to start relaxing. After all, worry can be the worst burden and the biggest source of stress.

Original Source: SA Insured

Helderberg Manor Retirement Community

Helderberg Manor Retirement Community is a charming retirement village situated within the scenic Western Cape, close by to Cape Town.

One of the greatest benefits of the retirement community is its location.

Join up with your friends and delight in nature as you stroll along the meandering paths in the magnificent Helderberg Nature Reserve.

As a resident of Helderberg Manor Retirement Community, you will have many optimal locations for walking at your disposal, from the superb Helderberg Nature Reserve to the multiple striking beaches.

Source: The importance of exercise – why walking is good for you

The City of Gold

Undeniably most enjoyable at your own leisure, utilising car hire in Johannesburg is recommended rather than the often unreliable public transport.

Johannesburg has continued to grow, building a home for the powerful Johannesburg Stock Exchange, new and flourishing businesses, and an array of shopping centres, entertainment facilities, restaurants, parks and communities.

Make the most of it by renting your own vehicle - car hire from Johannesburg airport - and enjoy the city at your own leisure.

Source: Discovering the History of the City of Gold()

Get Assured

We all know that life insurance is the proper thing to do. Without life cover your family will have to suffer the burden of your absence in a financial sense. I don't know about you but I would take any possible chance I could to prevent such a thing from happening. Unfortunately most people only realise this once they suffer through it for themselve, but if you think ahead you won't have to.

I would like to urge you to think ahead and prepare for your family's future and financial security.  For just a small amount every month this can be assured and you won't have to worry about this anymore. Take the first step and you will be happy you did so someday.