Making better choices
is not always this easy

 

Short Term Insurance

Short term insurance can become an expensive part of your monthly budget. On one hand it offers peace of mind in cases of emergency, for example: a burst geyser, the theft of a car, a break-in resulting in the loss of some or all of your valuables.

On the other hand, paying for too much insurance, or for insurance you don’t need, is a waste of money.

House Insurance | Vehicle Insurance | Liability Insurance

Essentially you need to combine financial peace of mind with the correct cover. The most common forms of personal insurance are protection of household goods, personal liability cover and vehicle insurance.

Ever thought what would happen if your car got stolen, hijacked, damaged, or your house burgled, flooded during a storm etc?  We all hope (and some believe) it won't happen to us, but reality is:  it does happen!  Usually when we least expect it and cannot afford the loss.

A short term insurance policy provides cover against loss, damage, liabilities and more.  You pay a premium (either monthly or annually) to an insurance company who in return provides the cover to compensate you when you suffer a loss on insured items.

Insurance companies determine your premium based on your risk profile (age, gender, where you live, security measures, item insured, value of the item, claims history of the insured etc.)

High risk = high premium and low risk = reduced premium.

Short term insurance policies consist of the following sections:

  • Household Contents
  • Houseowner's Insurance
  • All Risks Insurance
  • Vehicle Section
  • Watercraft
  • Personal Liability
  • Personal Accident

Olemera Financial Planners - Short Term Insurance

For more information about how our financial planners can assist you with your short term insurance, please contact us.

 

Tips for Careful Estate Planning to Protect your Legacy

[Title]

Estate planning is an essential part of the overall financial strategy to secure a financially stable and sustainable future.

There are many parts that make up the whole, all of which need to be addressed in order to protect the legacy you leave behind and all the rightful heirs and beneficiaries.

Read More ...
Posted by Gary Walker on Monday, August 12, 2019 Views: 276