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We Protect You: Illness, Death and Disability

19 August 2020

Thinking about our own mortality can be uncomfortable, but it is something that we should all think about from time to time.

Life is full of surprises and our forethought can protect us from any harsh realities that are thrown our way. Unforeseen events (sometimes on a global scale) can happen in a heartbeat.

We should consider the steps we can take to maintain both our quality and fullness of life, which we enjoy in good health and wealth, when these events happen.

These are some of the ways that we can help you provide for yourself and your family.

Medical Cover

There are many advantages to having medical cover. It protects us financially if we find ourselves suddenly having to pay large, unexpected medical costs. This includes costs such as surgery, medicine, nursing and hospital care. It also gives us access to private medical care, instead of having to rely on public health services.

Choosing the right medical cover will depend on your budget and specific healthcare needs. While there are prescribed minimum benefits in place, the medical industry keeps evolving and changing. That is why it is important to stay up to date with what benefits you receive and what kind of coverage you have.

Life Insurance and Insurance

Life cover is often purchased begrudgingly. But when it comes to something as vital as providing for your family in your absence, especially if you are the sole breadwinner, it’s best to have all bases covered.

Some people aren’t too sure about the difference between life insurance and insurance. Life insurance covers you for a predetermined length of time, such as 10, 15 or 20 years. Due to the uncertainty of whether you will claim on an insurance policy, the premiums tend to be more cost-effective.

Insurance, on the other hand, covers you for your whole life and there is a 100% chance that the policy will pay out. The premiums for life insurance are generally higher as a result.

Life cover not only eases the family’s immediate financial burden, but also provides for future expenses such as your children’s education. This can provide some much-needed relief during a particularly stressful time.

Disability or Dread Disease Cover

If you fall seriously ill or are injured, you can become permanently disabled. Disability and dread disease cover (also known as critical illness cover) offers support to you, and your family, when having to deal with a sudden and impactful change in your regular lifestyle.

These policies can help you adapt your car and your home to support your disability or they can be used to cover basic living expenses while you recuperate. They provide you with the chance to maintain independence and control your life. The cost of these policies depends on your age and your risk profile, among other things.

Insurance is one of those things you don’t really need, until you REALLY need it. If you feel as though you are not sufficiently covered, get in touch and let us take a look at your current policies.

Sanlam Life Insurance is a licensed financial service provider.
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