Geoffrey Ombati Financial Consultant

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Today, I am writing this in a sombre mood because of how lightly we take the gift of life and our families.

This is one of my biggest regrets in life. It’s one that I will remember forever; a scar that I will carry wherever I go.

There are many clients who say, “I’ll get the insurance done later… let’s get the paperwork done on our next meetup or there is no hurry to get protected today…”
But life is unpredictable. Insurance is needed the most when you least expect it.

This is also why whenever I meet new clients and they tell me that they need more time before deciding to buy coverage, I always respond that I am happy for them to think through it but at the very least, let me put them under a free look period.

I want you to remember this: life is simply too precious to leave it up to fate.
If you’re a client, please spend some time looking at your insurance coverage.
Remember, your later may be too late.
https://www.businessdailyafrica.com/bd/news/mwingi-bus-tragedy-death-toll-rises-to-31-3642614

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The 10.10 sale is around the corner and you are probably thinking of spending it on more clothes, bags, shoes, etc. It is never enough...

But when an advisor tries to sell you insurance, your first response is probably “Nope, I have enough! I don’t need any more insurance!”.

Why is that? We all know that insurance is important because it gives us the peace of mind we all need but at the same time we tell advisors we have enough, we don't need more.

5 reasons why you should buy insurance before the year ends:

𝐐𝐮𝐚𝐫𝐭𝐞𝐫 𝟒 𝐢𝐬 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐬𝐢𝐭 𝐝𝐨𝐰𝐧 𝐚𝐧𝐝 𝐫𝐞𝐛𝐮𝐝𝐠𝐞𝐭 𝐲𝐨𝐮𝐫 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠𝐬- Let's be honest, it's the time of the year when you spend most on treating and rewarding yourself. Why not convert some of these extra expenses into a policy that gives you and your family peace of mind? It's the best time to plan for 2022.

𝐘𝐨𝐮 𝐞𝐱𝐩𝐞𝐜𝐭 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐥𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬 𝐢𝐧 𝟐𝟎𝟐𝟐. Whenever your liabilities increase, eg. you intend to buy a new house in 2022, you need to purchase some term insurance to cover the loan in case something happens to you. This protects your loved one from unintended liabilities in the future.

𝐘𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐦𝐢𝐠𝐡𝐭 𝐜𝐡𝐚𝐧𝐠𝐞 - With the economy and businesses starting to pick up, 2022 might look like a more promising year. This also means if your income increases in 2022, the amount of life protection (10x annual income) you require should increase as well.

𝐓𝐡𝐞 𝐛𝐞𝐬𝐭 𝐠𝐢𝐟𝐭 𝐭𝐨 𝐛𝐮𝐲 𝐟𝐨𝐫 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐲𝐨𝐮 𝐭𝐫𝐮𝐥𝐲 𝐜𝐚𝐫𝐞 𝐚𝐛𝐨𝐮𝐭 𝐢𝐬 𝐚 𝐟𝐥𝐨𝐰 𝐨𝐟 𝐜𝐨𝐧𝐬𝐭𝐚𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞. - Instead of spending your money on the 10.10 sale, why not invest the money in an annuity that gives your future generation a consistent flow of income?

𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐰𝐢𝐥𝐥 𝐨𝐧𝐥𝐲 𝐠𝐞𝐭 𝐦𝐨𝐫𝐞 𝐞𝐱𝐩𝐞𝐧𝐬𝐢𝐯𝐞 𝐧𝐞𝐱𝐭 𝐲𝐞𝐚𝐫 - Insurance only gets more expensive as you age.

If you are a client reading this, Speak to your financial advisor today and read up to self educate. It is always better to start early.