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Building a promising future requires a strong foundation – one based on mutual love and respect, and careful financial planning. Because we do not know what tomorrow holds, we need to prepare for unexpected situations and, in the process, remove potential stumbling blocks in our path towards financial independence. It's every married couple's dream to be financially secure but achieving financial independence starts with a well-constructed financial plan that sets out realistic goals and the means to achieve them.
Setting goals to keep you ontrack
Financial goals are different for everyone and will change as you grow older, but they should be flexible enough to accommodate your changing circumstances. For instance, the financial needs of a newlywed couple will be very different from those of a retired couple.
Starting a family usually forms part of the plan as this comes with
new responsibilities that must be catered for. Buying a new home,
extending your existing one, saving for your children's education, medical cover, or perhaps going on a dream holiday… all these events need to be accommodated.
Getting covered for life
Because life is filled with uncertainty your financial plan should make
allowances for all scenarios, including those you don't want to think
about, such as death, disability, loss of or damage to your possessions, and ill-health. Although we cannot predict the future, we can make provision for it. Have you, for instance, considered the financial implications if you or your spouse were to die unexpectedly or become disabled? How would your dependents or remaining spouse survive without your financial contribution?' Perhaps it's time to think about the benefits and peace of mind that life and disability cover can give your family.
Safeguarding your family's future
Life and disability cover will pay out a lump sum to your beneficiaries
in the event of your death or disability. This money can be used for:
By investing in life and disability assurance, your family will have financial protection should you die or become disabled, or lose your ability to work.
The earlier you start, the better
A life-insurance contract effectively transfers the risk of your dying to
the life-assurance company. Therefore, the premium charged depends on the amount of risk transferred: the higher your risk, the higher your premium will be. For example, a smoker is likely to die sooner than a non-smoker. Because the smoker carries more risk, he or she will be charged a higher premium. Also, the older the person, the sooner they are likely to die; therefore their premium is higher. It's important to buy life assurance while you're still young and healthy as this ensures your insurability at an affordable contribution level.
Eliminate stress in times of difficulty
Because we don't know what the future holds, planning for the
unforeseen removes some of the financial stress associated with
death or disability in the family. We cannot change the course of
our lives, but we can plan ahead to ensure financial peace of mind
in difficult times. Therefore, as you embark on your life's journey
together, take care of these important aspects that could seriously
impact on your life – and prevent you from achieving your goals.
For more information, call your accredited financial adviser or broker.
Photographer Milan
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