Owner of  Rupping Financial Services, Deon Rupping, is a financial adviser who understands the unique benefits of income protection. Being able to give his clients’ the advice they need to keep their income safe makes a massive impact and difference to their futures. As Deon says, “As a financial adviser, it’s my responsibility to educate my clients on the importance of protecting their ability to generate an income.”

His clients can relate to the concept of income benefits because they mimic their monthly salary and budgets; plus, unlike lump sum payouts, they do not need to worry about the risks of inflation, investment or the irresponsible spending that comes with large once-off lump sums. What’s more, income disability benefits protect an individual, not only against permanent risk, but temporary injury and illness as well.

Protecting your Income First offers many advantages, such as:

  • Easier to understand and relate to. Simply put, income benefits match the income stream you are trying to replace, should you be unable to work due to injury or illness. This makes planning for and managing your recovery that much easier.
  • More cost-effective. Income benefits can save you money, because they’re typically more affordable than the lump sum equivalent.
  • Secures your financial future. You are more likely to keep your cover in place because income benefits are more relatable and easier to understand, and premiums don’t escalate every year as significantly as lump sum cover.
  • Guarantees an income stream to ensure a your financial future is secured in times of temporary illness and disability.

Deon also believes that, as a financial adviser, it’s just as important to insure his own income as it is to make sure his clients' incomes are insured…. “So you can continue impacting your clients’ lives in offering them the right advice in securing their own financial future,” he says.

Deon leads by example and has been an FMI policyholder for the past 21 years. He has personally experienced the benefits  of an income protection policy when he underwent knee replacement surgery in 2010, and again in 2012, when he was diagnosed with prostate cancer. He says his income protection policy allowed him to continue providing for his wife and family, and it helped him to keep doing what he does by giving him the stability to continue impacting the people around him.

Deon makes a massive impact in the work that he does by protecting his clients – accumulatively those with FMI policies have had around 80 claims, nearly half of his client base.

To find out more, watch Deon’s story.


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