While some may choose to believe in crystal balls to foresee the future, most of us never really know what life has in store for us. Life is all about uncertainty and, in an effort to protect your personal belongs, your family and your income, it is crucial to take out adequate personal insurance from a reputable insurance broker or company.

Personal financial management should include short term insurance, and in South Africa there are a number of personal insurance options, including

Life insurance – in the event of your death, your dependents will be adequately provided for
Permanent disability insurance – in the event of your being permanently disabled by an accident or illness, you and your family will be taken care of
Medical insurance – in the event of a medical illness, the insurance will cover all or part of the medical and hospital bills
Household insurance – in the event of theft, fire, flood or other natural disasters, you will be able to replace or repair loss or damages to your home and contents
Income protection insurance – in the event of a retrenchment or forced retirement, your income will be protected