Understanding any contract that contains a lot of industry-specific jargon can be tricky for the everyday person. When it comes to a life insurance policy, understanding what you're covered for, what the specific benefits and payments are, and what the insurance company is and isn't committing to is very important.
Could the unexpected devastate your business? A power outage. A disgruntled or injured employee. A flash flood or hailstorm. Don't allow unexpected business interruptions caused by uncontrolled elements to knock your business into the red zone. Whatever emergencies or disasters could arise, preparing for them will help your company weather any storm.
Africa holds a fortune of resources, minerals, and wealth. Accessing this well of potential, however, has historically been a struggle for its inhabitants. That’s all changing though. Countries across Africa are working towards developing cities that can compete internationally in business, tourism, and resources.
Everyone has a preference for how they like to spend their holidays; some people like to relax in a lavish resort while others prefer a more modest approach, like camping. When it comes to travelling to your holiday destination, opinions vary there too.
Working from home – is it living the dream or a lonely ordeal? There are upsides and downsides to having a home office. Here are a few pros and cons to help you decide which is best for your business.
When thinking of a traditional Irish wake, many people conjure images of a big event that involves drinking and festivities. However, as an old funeral custom, an Irish wake is so much more.
Have you ever wondered about the contentious topic of global warming? We're sure you've heard celebrities and politicians statingit as a lie or proclaiming it as 'the beginning of the end' for humanity. What is the truth? Is climate change real, and will it impact you and your home?
Thanks to movies and popular culture, it's easy to think that, around the world, people's traditions are somewhat similar to our own. That's rarely the case though. You might find it hard to believe, but these funeral customs are practised in certain parts of the world to this day.
Humans have been dealing with death since the dawn of the species and it has led to some interesting funeral traditions. While they might seem bizarre at first glance, there’s mostly a good reason behind why people practised these customs.
Any entrepreneur knows that keeping up with expenses when you’ve just started out can be overwhelming. Not only do you have all the expenses you did in your personal capacity, but on top of that you now have to cover business expenses like accounting software, business insurance, website hosting, and more.
Evidence of people burying the dead dates back 100,000 years, and we know that many ancient traditions involved elaborate ceremonies to ensure a loved one would be safe in the afterlife.
While Car Insurance is not legally required for car owners in South Africa, many of us would agree it’s important cover to have. Fixing parts that have been damaged in an accident, whether your fault or not, can be costly and Car Insurance is a good financial fall back drivers can have to protect themselves when it might happen.
When you took out your insurance policy, regardless of whether it was Car Insurance, Home Insurance or Buildings Insurance, you would’ve been informed of your excess amount. Excess in a nutshell is the amount you have to pay in order to have required repairs, that are covered by your policy, done.
The year may not be over yet, but with summer around the corner there’s no time like the present to do a bit of spring cleaning. Spring cleaning need not only apply to your household though, your finances can be just as important to spruce up as your carpets. With threats of more petrol price hikes in the near future, a number of South Africans are tightening up their budgets and relooking at their finances. With this mind, here are a few tips to help you spring clean your finances.
According to a survey conducted by the Organ Donor Foundation (ODF) in 2017, 4 300 adults and children in South Africa are in need of a new organ, but only 361 transplants took place last year. Their studies further reveal that only around 0.2% of South Africans have registered as organ donors. South Africa is clearly in need of more donors, but many don’t understand the process, and possibly don’t know that one person can help up to 50 people through donating various organs and tissues.
Working from home is just like running a business on a main street. You must conduct yourself in a professional manner when dealing with customers. You must ensure that your products and services are up to the standard your clientele expect. Adding to this, you face the same risks and liabilities as any other company.
The purpose of a Funeral Cover policy is to cover the burial expenses such as buying a casket and paying the funeral director when you or a loved one passes away. It’s comforting to know that you’re financially protected against a death in the family and that your surviving loved ones can grieve without having to worry about how those funeral bills are going to be paid.
Hours after a parent, spouse or child passes away, you’re hit with the reality of making the funeral arrangements – a task you may not have hands-on experience with. You may have attended dozens of funerals before and already know the rituals that take place during the burial, but how do you pull it all together yourself considering all the challenges and decisions?
Power of attorney is a signed document which gives a person the ability to give another the right to make decisions and sign legal documents on their behalf. The person who gives another this right is known as the ‘principal’, and the receiver of this right is known as the ‘agent’.
Legal procedures can cost large firms millions of dollars each year. Recently, two well-known brands were on the receiving end of major lawsuits launched by consumers. In 2017, Johnson & Johnson were ordered to compensate a Californian women who alleged she developed terminal ovarian cancer after using the company's talc-based products. Closer to home, a class-action lawsuit has been brought against Tiger Brands and its subsidiary Enterprise Foods for the at least 183 known deaths as a result of the listeria outbreak.
Starting up your own business can be a fun adventure. Being your own boss means that you can run your company how you’ve always wanted to, set your own hours, and even work from home. But while there are a host of things that will be new and exciting you also have to think about protecting your business’s finances and assets. Having Business Insurance is a vital part of running your business smoothly.
Whether you’re just starting a family or are welcoming another little bundle of joy into the world, a child will have a significant influence on your life. Raising a child may be one of life’s most rewarding experiences, but as a parent your priorities and responsibilities will change.
Every year after the annual budget speech, South Africans become a little more conscious of their money and their spending habits. With an increase in VAT from 14% to 15%, many everyday expenses will soon increase in price, and budgets will become a little tighter.
A retirement annuity (RA) is a type of investment product where individuals contribute monthly cash payments to ensure a regular income after retirement. Unlike a Life Insurance policy, which provides financial stability for a family after the insured breadwinner dies, the savings from a retirement plan benefits the member of the annuity when they withdraw from an active working life one day.
The South African Savings Institute (SASI) launched National Savings Month in Sandton in July 2017 as a reminder that we should all put some money away for a rainy day. Saving, however, means different things to different people. Some prefer to put their money in a savings account, others take out a Life Insurance policy, make off-shore investments, buy real estate or keep their money in stokvels.
With last year’s crime stats showing that break-ins at residential properties is the third most common crime in the country (at over a quarter of a million cases in 2016 according to a Business Tech report) do you know how likely it is that your home will be broken into? The architecture of your house can trigger burglary, and you probably aren’t even aware of it.
What would your loved ones do if you’re no longer there to provide for them financially? If your family relies on your income to make ends meet or if your income helps your family maintain their standard of living, you might want to invest in Life Insurance.
How would you like to be remembered? Some prefer a funeral where family and friends wear bright colours and release multi-coloured balloons while others want a cremation so that their remains can be scattered in the ocean. But what would it cost? We take a closer look...
Motorcycle enthusiasts know that their lifestyle is more than wearing leathers, or going on unplanned adventures with fellow bikers. Sure, nothing beats the feeling of the wind in your face, the scenery, the smells and that sense of freedom, but imagine this sensory feast amplified by a rally or run where you can not only show off your bike but also your riding skills.
In South Africa, by last reports, approximately 11.9 million children (64% of all South African children) live in poverty. The closest possible consensus tells us that some 1.7 million children (9% of all South African children) still live in informal housing such as shacks in backyards or squatter settlements. Due to the number of independent adoption institutions in South Africa, and how loosely regulated they are, no one knows for certain how many adoptions of non-blood related children there are or have been in the country.
Conventional wisdom tells us that men take more driving risks on the road, which is one of the reasons they may face higher premiums for their Car Insurance. But, a new study concludes that women may actually be more likely to throw traffic tantrums.
Many people follow a healthy diet because we’ve been told that we should stay away from lots of carbohydrates, fats, and sugar if we don’t want to pile on the kilograms. But, how many of us know that it is not just comfort eating that can make us gain weight?
There are many reasons why partners choose to move in together rather than getting married right away, ranging from getting to know one another better, to sharing expenses. But, living in cohabitation or being an unmarried couple sometimes results in disputes over assets upon death or separation.
In September 2016, the Automobile Association (AA) published its first annual ‘Entry Level Vehicle Safety Report’, to identify and compare the safety features in 23 motor vehicles available on the South African market for under R150 000. Poor economic growth, coupled with the increasing price of new motor vehicles has put pressure on young South African drivers, who are looking for an affordable yet safe vehicle. Worryingly, those looking for a vehicle seem to be more preoccupied with the affordability of a vehicle and not its safety features.
A recent study performed by Pharma Dynamics, has revealed interesting results on what the most stressful jobs in South Africa are, and surprisingly, the common corporate-related jobs aren’t at the top of the list. Stress can be measured in different ways, and different jobs can surface different types of stress-related symptoms, but according to the 2 000 respondents who come from over 40 different professional backgrounds, which professionals are the most stressed out?
Most of us are generally aware of the strategically placed luxury items which regularly feature close to the checkout counter of a grocery store. These items will usually include what retail outlets sometimes refer to as “impulse buys” being chocolate, sweets and snacks. What many of us do not put much thought into is how much the remainder of the store’s layout can influence our shopping behaviour.
We are all aware of the fact that we will die someday and that death can catch anyone at any time. The only thing that remains uncertain is its coming. We take a look at some of the strangest ways people have died over the years.
The faster you can sell your home, the faster you can access the capital you’ve invested in it and move on with your life. The reality, though, is that many houses sit stagnant on the market for several months. This not only eats into profit but may prevent you from moving forward with your property investments. It also means that expenses, like your bond and Household Insurance, keep ticking over all the time while it’s on the market.
If you've already started planning for the future, you probably have the more important things like Funeral Cover and your estate sorted out by now. But, here's something you probably haven't considered: what happens to your Facebook account when you're gone?
Have you ever been saved from a potentially life-threatening situation with the help of an app on your smartphone? Find out which apps can turn your smartphone into a survival device.
Every year, companies and researchers run surveys across a variety of disciplines. Most of these studies shed light on customer or civil behaviour, but some also serve as eye-openers that can help us make informed decisions about certain aspects of our lives. Hippo.co.za gathered five statistics from the last three years to illustrate the importance of Life Insurance and planning ahead.
When it comes to your family's financial future, the only thing worse than not having the right type, and amount, of Life Insurance cover is being unaware of a benefit payout that is due – sometimes long after they needed it the most.
Can your relationship status affect the quality and ultimately length of your life? According to research done at the University of Louisville, Kentucky, that included 500 million people, the risk of death was 32% higher for single men compared to married men, and 23% higher for single women compared to married women. But what’s not to love about being single?
Be it a brand new baby, an unexpected divorce or the inevitability of growing old, various life stages or significant events turn us into new versions of ourselves. The footloose and fancy-free youngster makes way for an adult with fresh interests and gradual capacity to take on responsibility.
It was a turbulent year for the South African economy. From power shortages, drought and the axing of the finance minister to being downgraded by ratings agencies to a notch above “junk”, the country took a serious financial hit. But, with the reinstatement of Finance Minister Pravin Gordhan and a steadying Rand offering some relief, all may not be lost. Even though economic growth is of concern, we also know that where there have been problems, there are lessons for us to learn as well.
Great filmmakers move us because they splice together the joy and heartache of life. Nowhere is this emotional rollercoaster more apparent than in comic portrayals of funerals. As the playwright George Bernard Shaw so aptly put it: “Life does not cease to be funny when people die any more than it ceases to be serious when people laugh.”
While the concept of Life Insurance is simple – it provides your loved ones with a financial cushion when you’re no longer able to – the different levels of life insurance cover available can make choosing a policy a complex decision.
Some people are simply far too driven to be slowed down by the march of years. Their work will never be done, and although they may stop to smell the roses it will be when their schedules permit. It’s this sense of ambition and drive which inspires us all and assists in bolstering our otherwise flagging economy.
According to an article on Fin24, only about 10% of South Africans have a will. This seems like risky behaviour when the cost of drafting a will is the same amount you might spend on a gift for someone or a night out on the town. But in fact, a proper will could be the most important gift you ever give your loved ones besides having things like Life Insurance and Funeral Cover policies in place, so that they’re looked after when you’re gone. A will is a way of protecting your legacy and ensuring that after you pass away, your belongings and money are distributed as you want them to be.
As human beings, we're always pursuing meaningful experiences that add value to our lives. For some people, living life to the fullest often means pushing the boundaries. We want to accomplish great things before we depart this earth. That’s why we sometimes deliberately challenge our senses – which serve to shield us from danger – by engaging in extreme activities. We broaden our horizons by travelling to every country in the world, even the ones that top the "Most Dangerous Countries" list.
In an era where tobacco is one of the biggest public health threats, many smokers have embraced electronic cigarettes as a less harmful alternative to tobacco products. Some of these battery-powered devices look like traditional cigarettes and cigars, and all of them produce flavoured steam that not only simulate tobacco smoke, but also deliver a smaller amount of toxin-containing nicotine.
Life is full of unforeseen challenges and complications, which is why having Life Insurance can help you care for your family's future. But, what if you are unable to afford your monthly premiums in the event of a sudden disability that forced you to quit your current job?
The most popular science-fiction and fantasy adventurers often lead relatively intense and extraordinary lives, which is why we find them so compelling. But, saving the world from the forces of darkness does not come without risk. Not only do their pursuits jeopardise our heroes' lives, it can also have an impact on the future of their dependants.
Over the years, many South Africans have asked this one simple question, “Where has my airtime gone?. In response, there have been many answers from providers, some have been useful while others have seemed too vague or shifted responsibility. In this article, we’ll look at the most likely causes of airtime loss and what you can do to manage your data effectively. We’ll also take a look at how you can protect your privacy and data. While our goal is to protect your data, remember to also protect your hardware with Cellphone Cover.
For some of us, owning a motorbike is more than just an affordable means to get to work. It invokes a feeling of identity and freedom. When on the road, every toss and lean fires up the senses; every bump and vibration contributes to an exhilarating adventure. If you consider riding as a hallowed experience, you will know there's nothing that fuels your passion like a motorbike rally or run. It's a chance to rub shoulders with like-minded people, and an occasion where individual riders and motorbike clubs truly become a community.
In South Africa, we work very hard for our money which is why Insurance is so important to us culturally. Sadly, even though replacing lost assets can be difficult, there are opportunists out there who won’t hesitate to con us out of everything that we’ve managed to accumulate.
Since its inception in 2008, Airbnb has experienced mounting success among travellers looking for low cost accommodation options without having to compromise on comfort. With listings in more than 35 000 cities and 192 countries, Airbnb rivals the conventional hospitality business model by allowing guests to rent lodgings online and directly from private property owners.
Whether you're a recent university graduate or someone who has discovered your current job isn't what you expected at all, you're bound to start thinking about what to do next.
You may not feel comfortable reflecting on the subject of death, but sadly there will come a time when funeral arrangements have to be made for you and your loved ones. And, even though you cannot elude death, you can ensure you are well prepared for this unfortunate event by taking out funeral cover.
While household insurance is essential to protect your greatest asset you also want to increase its value without breaking the bank. Our experts explain how.
South Africa often seems like a really dangerous place with protests, high assault statistics and the kind of driving you might expect to see en route to a concert.
As a motorcycle owner, you already enjoy some additional benefits not shared by regular car drivers. More often than not, motorcycles are cheaper to maintain, have lower fuel consumption, can easily navigate through traffic, and park effortlessly.
Hippo's comparison engine runs hundreds of tailored comparisons side by side to get you the best car insurance quotes to save you money on a monthly basis.
With the country’s electricity network currently taking heavy strain, load shedding will continue to be a reality for South Africans. Sadly, this means many more months of missing your favourite TV programmes or being left with half-cooked food.
So you've been in the insurance-paying game for a while now; you've got comprehensive car insurance, your family's assets are covered when they're in the house and when they aren't – you have all your ducks in a row and you like it.
As a business owner optimising your entire value chain is critical for long term sustainability. Often levels of skill in terms of balancing the needs of the various role players are involved.
Have you ever watched a movie and thought to yourself; “Gee, I wonder if they’ve got insurance?” Today we look at 10 classic movie scenes where insurance would most likely have paid off had they been insured.
Today we’re going to help you prepare for your first (or next) SA road trip. We’ll take you through a particular route from Cape Town to Mozambique, as told by people who have made the journey.
Whether you’re sipping on your tea in a five-storey home in an upper-class residential area, find yourself comfortably ensconced in your three-bedroom townhouse in the more middle-class neck of the suburbs, no one is safe or exempt from being a victim of
‘Change is a coming’ – with industry leaders forecasting a shift in the insurance industry, a vast majority of insurance companies will need to decide whether they will sink or swim.
From life insurance to motor insurance, many people try to avoid them for as long as possible to save money, often only acquiring the cover they need later in life. At this point you've already lost a great deal of the advantages you could have enjoyed if
Sifting through the complex minefield of insurance information out there can be a daunting task. This is especially true if it's your first time getting to know the various policy options available.