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Manage the many camp
07 September, 2017
Life insurance benefits should protect your greatest asset - your income.
You have big dreams for the future and you work hard every day to create a secure, happy lifestyle for your family. Have you ever stopped to think what would happen if there was an interruption to your income? How long could you and your family survive without an income? How would that affect your life today and in the future?
You need a combination of income and lump sum benefits.
That is why our flagship product, FMI Individual includes Disability, Critical Illness and Life cover, with a choice of lump sum and income benefits accross all 3 risk events...
Income benefits - ideally suited to meet monthly expenses like groceries, electricity and education.
Lump Sum benefits - perfect to allow for any once-off expenses like estate duty and to settle large debts.
Monthly income benefits are a better way to protect your income.
This belief is core to everything we do at FMI. In the past, the rule of thumb for the insurance industry has been to offer mainly lump sum benefits - especially for Critical Illness and Life cover. While pay-outs from lump sum benefits are perfect to settle large debts or pay for once-off expenses, we just don't believe that they should be used to provide an income.
Income benefits are easier to understand and plan for because they mimic the income stream you are trying to replace. They remove a number of risks that go with a large sum of money:
You don't need to figure out what lump sum is required to provide a future income (planning risk)
You don't need to worry about investing a large sum of money, and the future impact of inflation (investment and inflation risks)
You don't need to worry about running out of money before you die (longevity risk)
You will not be tempted to spend your lump sum payout on expensive cars and luxury holidays, leaving you nothing to pay the bills (behaviour risk)
Everybody should be able to protect their income - no matter what you do for a living.
Whether you're an accountant or a scuba-diver, everyone should be able to protect their income. But no two people are alike - we are all individuals.That's why insurance products should give you the flexibility to tailor make it to your specific requirements.
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