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Integral Wealth Management – FPI Approved Professional Practice

Integral Wealth Management has officially been recognised as an FPI Approved Professional Practice™. We are proud to say that our firm is one of only 14 financial planning practices in South Africa to receive this prestigious accreditation from the Financial Planning Institute of Southern Africa. This accreditation is the result of a stringent audit of Integral Wealth by the FPI to ensure that our business adheres to the highest standards of knowledge, expertise and ethical conduct. […]

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Medical Aid vs Dread Disease Cover

If you are paying for both Medical Cover and Dread Disease Cover… you may ask yourself why? The cost of living keeps rising and in the year ahead we can expect more increases that will put pressure on our hard-earned and diligently saved resources. This doesn’t have to be bad news – it can encourage us to improve and tailor our financial planning to meet the changes and test our flexibility! That means going back to […]

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Cancer claims reveal risk trends

Recent statistics made available by Liberty Life reveal that cancer is the leading cause of claims paid by the assurer in 2015. One in four claims paid by Liberty were for cancer, and the proportion of claims for cancer is increasing, even at younger ages. Motor vehicle accidents are typically cited as the reason that young people need disability or income protection cover, but cancer was a greater cause accounting for 12.3% of claims (motor vehicles […]

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5 MORE FACTS ABOUT HOSPITAL PLANS

As I wrote in a previous article, full medical cover has become an expensive purchase that few South Africans can afford. As we see a significant increase in the purchase of hospital plans, we are also seeing a decrease in how much our clients fully understand the big differences between an old-school medical aid and the intuitive products of today’s marketplace. Having come from a generation that largely understood medical cover as a ‘covers all’ policy, […]

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5 FACTS ABOUT HOSPITAL PLANS

Full medical cover has become an expensive purchase that few South Africans can afford. This is the reason for the increased popularity of hospital plans that cover your medical bills if you are hospitalised. Having come from a generation that largely understood medical cover as a ‘covers all’ policy, it’s important to run through these five facts about hospital plans that are overlooked until they are needed! You usually need to be hospitalised for the hospital […]

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PLAN FOR THE HIDDEN COSTS OF BREAST CANCER

Last year I shared an article on my blog that spoke to the stark reality of the tragic impact that cancer has had (and continues to have) on almost every family in South Africa. It’s very rare, in fact, to meet someone who hasn’t either had cancer themselves, or has a close family member who has been diagnosed with some form of cancer. As I wrote in my previous blog, cancer has increased exponentially and is, […]

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CRITICAL ILLNESS | ARE YOU SUFFICIENTLY COVERED?

Women submit more critical illness claims than men. RISKSA published an online article that shed some light on an area of financial planning that appears to be largely overlooked, or at least, underestimated.  A key consideration for every financial portfolio is to insure your most valuable asset – your ability to earn an income. Traditionally this lot has fallen to the ‘man of the house’ to earn an income. Although this notion is seriously outdated (by […]

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