Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.
Estate planning can have a lasting impact on your family – though not as much as not doing it.
Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.
You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.
The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.
Your broker works for you – not for the insurance company.
Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
Investing requires the trade-off of present income (consumption) for future income (consumption).
At all times, but especially in uncertain and difficult economic times, it is critical to focus on protecting yourself and your family. This is the time when you are least likely to want to fund your own medical care.
Real differences are likely to surround the level of cover offered by local plans and the level of coverage needed in event of a serious illness, accident or a major medical emergency. Your coverage may be much more limited than you think!!
An international medical insurance plan, for you and your family, can provide:
There are a range of available plan options that make it possible to design a programme that is appropriate for almost any circumstance. And we have the expertise and the experience to work with you to create a cost effective health insurance solution that supplements or replaces your existing health coverage – the right coverage at the right price.
You may be surprised to learn that one major illness could leave you with little or no medical insurance for the rest of your life. You may be even more surprised at the restrictions surrounding access to overseas care or at the size of your out-of-pocket expenses if you do go overseas for care.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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