Your relationship building skills have always been your competitive edge, and this has never been more relevant now as clients face economic uncertainty.
Continue ReadingRead about why your clients' occupation affects life cover and income protection premiums differently in our editorial series: A guide to how we assess risk for income protection.
Continue Reading2020 – the start of a new decade and time for a sharper way of thinking. Top of the agenda for us at FMI (a Division of Bidvest Life Ltd) going into 2020 is to address the alarming number of young professionals currently uninsured in the South African market.
Continue ReadingIf their monthly income has the potential to provide for all their financial needs, why doesn’t risk planning start here?
Continue ReadingRecommending a lump sum to produce an income is like your clients wanting a red car but suggesting a green one on the premise that they can always have it painted red afterwards.
Continue ReadingWe understand, that in practice, there are some hard questions the Income First approach poses for older clients who already have lump sum cover in place. Here's how to address these issues.
Continue ReadingThere is a better way to do life insurance. One that prioritises income benefits over lump sum benefits, one that commits to meeting the needs for which your clients apply for cover in the first place.
Continue ReadingWe believe there are 4 main reasons why many South African policyholders are unknowingly choosing longer waiting periods, and in most cases unfortunately, to their disadvantage.
Continue ReadingThe tide is changing. The industry is evolving, as the industry starts to recognise the rising trend to put Income First.
Continue ReadingMany don’t realise that traditional lump sum cover only covers for permanent disability, critical illness or death. It doesn't protect your monthly income from temporary injury or illness.
Continue ReadingOur CEO, Brad Toerien, sat down with Cover magazine’s Tony van Niekerk to talk about the importance of Critical Illness cover and what makes FMI’s Critical Illness cover different.
Continue ReadingTimothy Makhathini is a self-employed photographer and entrepreneur from Mthunzini, KwaZulu-Natal, who is motivated by a desire to build a better life for his family and leave a legacy for his children.
Continue ReadingTo create wealth, you need to protect wealth. Investment planning relies on your ability to earn an income and risk planning protects that income.
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