Total and Permanent Disablement

Disability Insurance

Disability Insurance Disability insurance can mean different benefits, depending on the insurance solution you use.  There are disability insurance solutions that will pay you a lump sum benefit, and there are some that will pay you a monthly benefit, and there are some that will pay you a combination of both. In the context of this article, I will be talking about Income Protection also known as disability insurance and the fine print around claiming a partial disability benefit. What is Partial Disability? Partial disability is where you have to work lesser hours because of sickness or accident, that usually [...]

How likely are you to claim your life insurance?

  How likely are you to claim life insurance? Insurance is about managing risk.  It's a simple concept where many people pool funds together and then funds are paid out to people who need it.  With so many people contributing to such a large pool of funds, there needs to be a line drawn in the sand of who gets paid these funds and when.  This is where policy wording determines and defines what is fair and what is not and who gets paid and who may not.  It simply cannot be a free for all "everyone gets paid all [...]

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