The following are the huge amounts of benefits that you as a policy holder are eligible for:

•    A prompt cash pay-out of up to R50 000

•    No medical testing required (including those of H.I.V tests)

•    Optional cover for both your spouse and your children

•    6% annual benefit increase to keep pace with rising inflation

•    Optional Vehicle Access gives you access to a vehicle to assist in the funeral planning process

•    A lump sum pay back benefit whereby up to 1 year’s premiums are paid back every 5 years regardless of whether or not you claimed

•    Optional cover for your parents should they be under the age of 76 years

•    The optional Memorial Benefit that assists in paying for the costs associated with the unveiling ceremony

•    Hollard Groceries Plan pays out a fixed amount for a year to assist in sharing the burden of groceries and other vital household bills

These are just some of the benefits that you will receive with the signing up of a Hollard Funeral Plan. In additional to these very tangible benefits that assist you financially deal with the loss of a loved one, there are also the substantial benefits of great customer service and prompt processing of your application and claims.
For the finest in funeral policies from one of the best insurance providers of the world today, contact Hollard Funeral now and learn more about the benefits and how much you can gain from them.

AVBOB, established in 1921, is South Africa’s oldest burial assurance and funeral cover company. They have had the time to grow and build ties with the most important and trustworthy members of the funeral world. With a long history of compassion and experience, AVBOB has three main operating divisions, AVBOB Funeral Services, AVBOB Funeral Plan and AVBOB Industries.

AVBOB Funeral Plan and Funeral Services

These two products for AVBOB are designed to complement one another and between AVBOB Funeral service and AVBOB Funeral Plan all your funeral service needs can be met.

AVBOB Funeral Services is a product whereby through AVBOB the best in quality and affordable burial services are contracted. With AVBOB Funeral Services huge network of professional funeral homes you can be certain that your any funeral needs can be catered for.

AVBOB provides comprehensive funeral cover that in conjunction with AVBOB Funeral Service provides additional benefits. All family members are covered for burial under the plan.

AVBOB Funeral Plan include the following:

• A Savings Plan
• Cashback Life
• A Family Assurance Plan
• Extended Family Insurance Plan with increasing cover

Together with AVBOB Industries, which manufactures the highest quality coffins, tombstones and wreathes, AVBOB Funeral Plan and AVBOB Funeral Services have every aspect of your needs covered. With quality, care and affordability the defining characteristics in an effective burial assurance company, AVBOB’s funeral cover is an outstanding choice.

Use AVBOB Funeral Plan and AVBOB Funeral Services and plan for the future  so you can enjoy the present.

With a track record that is solid, and an impeccably  good reputation and affiliation with the major insurance houses for the past four years, you will find that Carandhome.co.za car insurance is able to give you exactly what you require when it comes to comparing premiums.
Perhaps you have decided it is time to cut down on expenses, or you are unhappy with your present car insurance company, and don’t quite know where to begin; Carandhome.co.za car insurance is the perfect site to visit when you are in need of comparables for all your insurance.

Some of the top insurance brands to compare are Old Mutual Insurance, Discovery Insurance, AA Insurance, Carprehensive Insurance, Budget, Hollard, Auto & General Insurance, First for Women and Hippo. There are many more insurance companies that Carandhome.co.za car insurance have on their books, therefore to enjoy the benefits of the full list you have made a good start; simply contact us for further information so that you can get the insurance for either your car or home that fits your budget perfectly.

Who Are Carandhomeinsurance.co.za

If the breadwinner in your family were to die tomorrow, will there be funds available to take care of your family?  We know that tragedy can strike at any time in the way of illness or an accident and young couples just starting out will hardly have the cash set aside to ensure that the family will have peace of mind, a roof over their heads and food on the table.

With a funeral insurance policy – your family will not only be assured of financial assistance in the future but the cover helps to pay for the funeral and other immediate costs through a lump sum. The funeral cover is available to all South African citizens and legal permanent residents between the ages of 18 and 75. No medical examinations are required for you or your family members

An example of the benefits of a typical Funeral insurance policy

• Cover that ranges from R5 000 to R50 000
• There is also an Accidental Death Benefit – in the event of an insured’s accidental death
• An automatic annual increase of your cover ensures that it keeps pace with inflation
• A monthly benefit of a fixed amount of up to R1200 worth of groceries for a period of up to 12 months
• The use of a car hire service for up to six days with unlimited mileage and a free full tank of petrol
• Up to R50 000 payout for your partner with a maximum of R10 000 for each child
• Up to R10 000 one year after your death or your partner’s death, towards the expenses of an unveiling ceremony.
• Accidental Death and Disability Benefit / Personal Accident Benefit in the event of an insured’s accidental death or accidental permanent disability.

The first step in deciding how much life insurance you need is to first figure out exactly how much income you provide to your family. This is not just your salary as you have to deduct your income tax as well as your personal expenses. What is left is the real amount of money that you contribute to your family.

There is a general rule that you only need life insurance until your dependent children are financial stable on their own or until your retirement savings start.

So let’s say you are 30 years old and you might want a policy that covers you for the next 30 years. You should then take your adjusted annual income and multiply by 30, this is then the amount of coverage that you need and is known as the face value.

However, the amount of cover you invest in needs to fit within your budget and you need to be able to afford the monthly premiums. You need to remember to only purchase what you can afford comfortably.

Life insurance can also help pay for your children education if you die early on. If you can afford the higher premiums then you should look into a cover that pays for major life expenses.

Just remember do not purchase more insurance then you can afford.

If tragedy strikes, funeral insurance can assist in lightening the burden of your family at a time when they are coping with the loss of a loved one with financial assistance. This cover allows you to help pay for the funeral through a lump sum, as well as to take care of any other immediate costs.

The funeral cover is available to all South African citizens and legal permanent residents between the ages of 18 and 75. No medical examinations are required for you or your family members

Typical Funeral Plan Benefits

• Cover that ranges from R5 000 to R50 000
• Accidental Death Benefit – in the event of an insured person’s accidental death
• Annual increase of your cover – ensures that your cover keeps pace with inflation
• Groceries Benefit: a monthly benefit of a fixed monthly amount of up to R1 200 for 12 months
• Car-hire service The use of a car for up to six days with unlimited mileage and the first full tank of petrol free
• Up to R50 000 payout for your partner with a maximum of R10 000 for each child
• Up to R10 000 one year after your death or your partner’s death, to assist your family with the expenses of the unveiling ceremony.
• Accidental Death and Disability Benefit Personal Accident Benefit provides cover in the event of an insured person’s accidental death or accidental permanent disability.

A worthwhile investment at a comparatively low premium

Funeral Insurance

The car insurance package covers damage, theft and accidents with free towing and subsequent vehicle storage, a car hire allowance, discounts on advanced driver courses (in line with the modern preventative approach to insurance), and payback of commission. of commission and the installation of a tracking device where required by the policy and your monthly tracker instalments are added to your monthly insurance premium.

AA credit protection insurance protects you from losing your vehicle in the event of you not being able to make your car payments due to temporary or permanent disability. Your family is also covered for instalments in the event of your death. The cover extends even further – if you are unable to make your instalment payments due to retrenchment of hospitalisation.

Players Insurance

In contact sports, the risk is particularly high. Injured players will need medical treatment and physical rehabilitation to recover. Disability and Credit insurance should be standard for anyone who participates in sports as sports injuries can result in permanent disability and even death.
Sports players must ensure that they have insurance. They are sometimes required to arrange cover themselves, and in other instances their sporting body will take that responsibility.

Morning sickness, nausea, vomiting and other conditions can be enough to keep a pregnant woman from doing anything except staying in bed and resting all day. Maternity disability Lifeinsurance is a great convenience for working mommies to be, she will still receive a bit of her income while being out of work with the maternity disability insurance.

It is advised for mothers to apply for the plan before falling pregnant mothers also need to know that the cover is separate from maternity leave, consult with your doctor for the type of information needed concerning your illness.

The extra money could come in handy for the mother to pamper herself and buy maternity clothing or cover some of her bills while at home.

Although pregnancy is not a disability, it can become difficult trying to work while feeling exhaustion, emotional outbursts and anxiety.

Macro factors like inflation and rising import costs on a weaker Rand can drive up replacement values of many household items, from audio equipment to furniture and appliances. Macro pressures increase the risk of under-insurance.

Consumers have a slow response to under-insurance risks because years of relatively low macro pressure may create false expectations of price stability. Recently CPIX topped 9% for the first time since 2003 and the rand is again at record lows against major currencies after 2001. Authorities enjoyed major success in keeping inflation within the targeted 3-6% range.

Such incidents cause policyholder not to have the ability to replace stolen or damaged items for anything close to the purchase price of three or four years ago. This causes a gap between insured values and replacement values which should be the individual’s responsibility.

Policyholders should use the solution of calling in a professional short-term insurance adviser to carry out a thorough review of replacement values.