"If you do what is in the best interests of your clients, document everything properly, keep sound records and follow up with clients, a lot of the noise should fall away. You need to be able to show the regulator how you applied your mind in…
"Much of the conversation during Breast Cancer Awareness Month rightly focuses on awareness, screening, and treatment but for someone diagnosed with breast cancer, the impact can extend well beyond the medical journey," says Cebile Zibi, Head…
"Employers budget for absence. What they don’t budget for is the employee who is at their desk and not able to work, and that is where most of the cost sits,” says Mashadi Mtoba, Head of Disability Management at Momentum Corporate, explaining…
"No single organisation can provide every element of an effective healthcare journey. For years, the funding model was largely linear: schemes funded care, doctors provided treatment, hospitals delivered acute services, and pharmacies dispensed…
“As South Africans, we are at risk of not being able to maintain our lifestyles when severe illness strikes because we do not have financial recovery plans in place,” says Lulama Mrara, Regional Manager at Old Mutual Personal Finance.
"Young South Africans, in particular, should not see funeral insurance as a product only for older people. It is a practical expression of responsibility to parents, partners, children and the wider family network. We can enjoy a good lifestyle…
"A policy that was appropriate when a client was single, renting and earning a certain income may look very different once they have bought a home, started a business, had children, taken on debt or accumulated significant assets," says Etienne…
"For many South Africans, taking out life insurance is usually accompanied by a significant milestone such as buying a home, getting married, or welcoming a first child. Once that policy document is signed and filed away, however, most people…
"Non-disclosure can be unintentional as well, so it's important to understand what needs to be shared from the start. The application process is designed to guide you, but still relies on you providing complete and accurate information," says…
"As medical expense shortfalls become increasingly common, addressing them is becoming part of a financial adviser's responsibility. When recommending or reviewing medical aid, it is not enough to focus only on contributions and benefits," says…
"When our savings plans fall short, we often blame ourselves. We assume we lack discipline, don't earn enough, or simply aren't good at budgeting. While economic pressures are real, the reason saving is so difficult is often not just financial…
"During bereavement, families should not have to worry about delays or complexity in accessing financial support. Our focus has been on removing uncertainty and ensuring that when clients need us most, we respond with urgency, simplicity and…
"The regulatory environment is one of the most consequential forces shaping South African healthcare today. With the NHI on the horizon and rising compliance demands, what this industry needs is an honest, operationally grounded conversation.…
"The ability of a medical scheme to terminate membership must be understood within the broader framework of the Medical Schemes Act, 1998, which tightly regulates both access to membership and the terms on which it is granted," says Randhir…
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