woman issues

Women value themselves too modestly when it comes to life insurance, says one of the country's biggest insurance companies after concluding research that involved one million clients. Women have been under-insuring themselves for the last two decades,
The average amount of LIFE INSURANCE taken out by women is about 30% lower than what men take out.

While fewer women were solely responsible financially for their dependents 20 years ago, times had changed and women need to re-evaluate their life cover.

Because women make up 41% of the working population, the number of dual-income households has increased significantly. For a child, losing a working mom these days is just as financially devastating as losing a working dad.

It was even more important for single mothers to evaluate their life cover.

The research showed that on average, men took out a life cover amount of R520 000, while women insured themselves for R360 000. This was up from the average of R90 000 in 1985.

Parents should think carefully about life cover as a way of providing for children's education, should something unforeseen happen to them.

For children starting school in 2009, research indicates that parents are expected to fork out annual school fees of about R148 000 for a good government school, and R553 000 at a private school.
Other than funding children's education, life cover payouts were also used to clear debts such as bonds, loans and store accounts.

This is particularly relevant in South Africa, a country with a poor and rapidly worsening savings culture.

Another major issue affecting people in the current work environment was the absence of life cover altogether as remuneration packages changed form.

Twenty years ago, most people working for a company automatically had group life cover. Now there is a new workforce of small business owners, contract and freelance workers who don't have the luxury of receiving benefits from an employer and need to take out their own life cover.

Even if life cover was part of a remuneration package, it disappeared when employment with the firm ended, along with other benefits.

As you will be older, it will be costly to replace the cover and you may not be able to get cover at all due to ill health. As a breadwinner, you should always make sure you have sufficient life cover before you start investing. Be aware that the money you have invested may not be a substitute for the protection that life cover offers.

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You understand the need to protect your family in case of your death or disability.
You have protected your income earning potential through a INCOME PROTECTOR and life and disability policy.

But, the loss or disability of your spouse - who is raising the children, could cripple you financially. Just consider how much time you would have to find each day to keep the family running.
Consider the cost of a full time au pair. Would you be able to cope and still keep your job?

What about your bond? Would it not be desirable to have your home paid for in the event of death or disability? It certainly will give a great deal of security in such trying times.

What about your spouse's debts, credit cards and accounts? Having to settle these balances will place undue strain on your finances.

Although you may inherit their estate free of duty, there are still costs to be paid. These costs include executor's fees, funeral expenses, Master's fees, and transfer (conveyance) fees in respect of immovable property registered in the name of your spouse. Where will you find the money?
Their estate might not have cash readily available to meet these expenses, requiring you to make an immediate cash contribution or face the enforced sale of your home or liquidation of other assets left as inheritances.

For spouses married in community of property the situation is worse because the executor's fee is levied on the value of the ENTIRE JOINT estate.

Would your spouse like your children to get a definite inheritance on his/her death?

Looking after your spouse's aged parents? Will you "inherit" in-laws (or be faced with the unpleasant task of extricating yourself from the moral responsibility of accommodating them)?

Not exciting thoughts, but nevertheless very important!

We have the answer for you.

For a reasonable premium, you can take care of these worries.


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