Personal Risk Management

Survival Period – Succession Planning Challenge of a Life Assurance Portfolio

A sudden heart attack is fatal in 95 percent of cases and the greatest risk is during the first 30 days. Published data shows 28% do not survive within 30 days of having a stroke. A well known mutual assurer has a 30 day survival period for a heart attack and 3 month survival period for a stroke. Will your family receive a pay-out?

Disrupting Your Approach to Your Best Future Self

Disrupting your approach to planning a life well lived, is unique as it considers all aspects of protection and growth. The balance between the two is found in sound forward planning and implementation. Following the disruptive approach, you have insight into your own health/contractual/financial/investment/tax, or other potential risk exposure or dangers and the result should …

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Top Legal Minds Hoodwinked in Policy of Assurance

After a colleague suffered a near fatal heart attack and not receiving his insurance payment as expected, we began studying what is NOT covered in the contract of assurance. This incident led to indepth research of assurance products purchased by client’s. Heart disease takes 1 in 3 lives and cancer the same. The other top …

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Professional’s Not Immune – Life Insurers Pay R12.3 Billion in 2015

The statistics reveal that professionals are not immune to developing the most severe of illnesses or even dying many years before their time, with medical professionals being most at risk across all categories of claims. In this modern age of information and data being readily available, so too is human destroying fast food or contaminated food …

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Personal Lifestyle Exposure Planning 101

The way life goals, objectives and personal risk exposures are identified and successfully managed. No, it’s not short term insurance coverage or long term assurance coverage. It’s a far more exciting journey down the rabbit hole of personal empowerment, growth and protection. We originally defined it as personal risk management (PRM). Now we prefer calling it …

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The Art of Personal Risk Management

No, it’s not short term insurance coverage or long term assurance coverage. It’s a far greater journey down the rabbit hole. Hungelmann (2016) defines personal risk management (PRM), as the process of identifying, measuring, and treating personal risk (including, but not limited to, insurance), followed by implementing the treatment plan and monitoring changes over time. …

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