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Why risk planning should start with Income First

If their monthly income has the potential to provide for all their financial needs, why doesn’t risk planning start here?

The future of life insurance and the case for income benefits

Recommending 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.

Handling objections to an Income First approach

We 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.

For indispensable advice – choose irreplaceable cover

There 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.

4 Reasons why policyholders are choosing the wrong waiting period

We 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.

Income First: Ride the new wave

The tide is changing. The industry is evolving, as the industry starts to recognise the rising trend to put Income First.

Bridging the insurance gap

Many 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.

5 Reasons Why An Income First Approach Pays Off

Q&A : Brad Toerien sits with Cover Magazine to talk about what makes FMI's Critical Illness cover different

Our 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.

Building a family legacy, despite life’s curve balls

Timothy 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.

4 Reasons why risk planning protects your investment plans

To create wealth, you need to protect wealth. Investment planning relies on your ability to earn an income and risk planning protects that income.