“Do something today, that your future self will thank you for.” ~ Sean Patrick Flannery. This isn’t one of those motivational blog posts about getting up & going to the gym a million times until you see the results. In actual fact, you will never see the results of your estate plan being rolled into […]
Leaving this world without a Will (under South African law) means that your assets will be distributed according to Intestate Succession. This means that your estate will be distributed according to a standard hierarchical plan that may not be what you intended upon your death. Sadly, I have witnessed many cases where wills have either […]
I often get asked ‘Why should I have a broker – surely going direct is best?’ Whenever I hear this, I often reflect on the great marketing efforts done by some insurance companies that have made consumers believe that cutting out the ‘middle man’ is best; and then how we, as consumers, are so susceptible […]
I don’t regard what I do as rocket science, but I do regard what I do as life changing…sure my days don’t have me sitting around a table with doctors and scientists finding the ultimate cure to cancer, but I still believe that my work is great and I love what I do. I have […]
I often get asked this question when clients want to insure their structures with me. Firstly, insurance does not concern itself with the market value of your property, as this holds no bearing at all on the price it would cost you to rebuild your property. If I picked up a property from inland valued […]
This is a question I get asked often at review stage. “Ryan, my car has depreciated, why is my insurance premium still the same?” asks my client. My answer is always the same. Let’s say in 2011 you purchased a Toyota Fortuner for R406 300, and you were being charged a premium of R950 a […]
There are a few things in life that are guaranteed… Death, taxes, and a new iPhone model every 6 months. The last of these, is a frustrating by-product of a society that is fixated on the new best thing. As an insurance broker, it makes it even tougher to ensure that a client has his […]
This question comes up way too often to be ignored. The answer is yes, yeeesssss, yeeessss, it’s an emphatic YES. For over 10 years now my family and I have never been without gap cover. I have spent roughly R24 000 in premiums over the 10 years, however I have claimed over R75 000 in that time. […]
Starting a new business is one of the most exciting adventures I have ever been on. Especially when it begins to flourish. It pales in comparison to hearing the cries of my children in their first minutes of life; but like a new-born baby, once the excitement and adrenaline of this new creation wears off, […]