Why you should insure your child, now!

There is nothing more exciting than shopping for a baby once you find out you’re expecting: crib, bottles, those adorable tiny clothes! We spend ages reading reviews and checking ratings on baby products because let’s face it, we all want our children to have the best of everything.

So why have you not thought to add an insurance policy to that list?

We’ve talked about how the money can be used to cover future expenses: university tuition, potential business venture etc…

But the main reason we urge you to consider insurance for your child at the earliest is not just because it will be cheaper; at some point in your child’s life they could be diagnosed with a condition that makes them uninsurable, and if you had the foresight to get it, the only life insurance they will have are policies purchased by their parents when they were kids. Otherwise once diagnosed your child will not be liable to be covered, or if they are, the premium could be ridiculously expensive!

Life insurance policies have many options available now that allow them to grow with a child.  Talk to one of our agents today about coverage options and the options the child may have into the future as an adult by calling us on 429 5000 or sending an email to info@sacos.sc and an officer will get back to you.

Think FAST: How to recognise symptoms of a stroke

When you think stroke, you think of a condition commonly associated with the elderly. The reality is that people of any age can suffer a stroke. In fact stroke risk for younger people is on the increase, which is why awareness of stroke warning signs is so vital, as well as knowing what to do if a stroke is suspected.

The FAST test helps to spot the three most common symptoms of stroke:

  • Face: Can the person smile? Has their face fallen on one side?
  • Arms: Can the person raise both arms and keep them there?
  • Speech problems: Can the person speak clearly and understand what you say? Is their speech slurred?
  • Time: If you see any of these three signs, it’s time to call 999.

But there are other signs that you should always take seriously. These include:

  • Sudden weakness or numbness on one side of the body, including legs, hands or feet.
  • Difficulty finding words or speaking in clear sentences.
  • Sudden blurred vision or loss of sight in one or both eyes.
  • Sudden memory loss or confusion, and dizziness or a sudden fall.
  • A sudden, severe headache.

There is no way of knowing if symptoms will pass or get better when they first start, so you need to seek immediate medical help. It’s important to learn stroke symptoms and act immediately, because with rapid treatment, stroke damage can be limited and the person can have a better chance of recovery.

Corporate Travel Insurance: Protecting your employees.

As a business, how much do you consider your employees’ safety, even when they are not in the office? When it comes to safety and security, no well-esteemed business person has ever sent their employees overseas without assuring their safety and well-being. All the best businesses have one thing in common – SENSIBILITY!

Sure, entrepreneurs take risks. It is how they move forward on the success ladder. But, they don’t take unnecessary risks, especially not with their employees. The Corporate Travel Insurance is there for just that – protect you from the financial burden of all those inconveniences that arise out of nowhere during your overseas mission.

Corporate Travel Insurance provide peace of mind to individuals that travel frequently for their company. It takes the unnecessary worry out of travelling and allows them to focus on the job at hand.

What does Corporate Travel Insurance cover?

  • Miss the flight home? No worries, we will help to cover their stay and next flight home.
  • Fallen ill? Yes, we cover medical expenses, including cost of hospitalisation.
  • Seriously ill? We can even arrange to have someone come out and fly home with them.
  • Passed away while on mission? We will cover the cost of repatriation.

Other benefits of the Corporate Travel Insurance include coverage for cancellation costs, cost for sending a replacement employee, cost of returning (sick) employee, lost, theft or accidental damage to company property or money, including lost passport and luggage. It is a won-win for everyone.

Corporate Travel Insurance is not a luxury you give to your employees and even yourself, it is the security you give to your company. It tells the whole world what kind of business you’ve got running there.

Be the business that tells the world they care for their employees. Send an email to info@sacos.sc or call us on 429 5000 for more information on how you can get started!

Life insurance for young adults, to buy or not to buy?

… the answer is always: To buy!

When you’re a young adult with no dependents, insurance is the last thing on your mind. It may seem like no one is depending on you financially, so do you really need to consider purchasing a life insurance?

The truth is, life insurance, even at a young age is always a good idea. In fact, the younger you are, the cheaper it is! Premiums are driven by your age and health, so life insurance is never going to be more affordable than it is when you’re young and healthy.  Purchasing it now means capitalising on those lower rates and essentially guaranteeing your future insurability.

Circumstances are always changing: even if you have no one depending on you now does not mean you will not have anyone depending on you in future. Planning early can be smart in the long run. Look back five years and see how much your life has changed. Imagine what will change in the next five to 10 years. Planning for the future now can help you avoid the need for another policy if your needs change (which could mean higher premiums due to age or health at that time).

Being young is no excuse not to have an insurance policy; You take life insurance out for yourself and for your loved ones. You take it out to do the responsible thing for later in life.

Do not wait, it will never be cheaper than now. Call us on 429 5000 or send an email to info@sacos.sc and an officer will be more than happy to provide you with a quote, and more information should you require it.

Is Insurance part of your New year’s resolution?

Happy New Year!

As we reflect back on 2019, its worth remembering what we are most grateful for. For us at Sacos, it’s our family, our friends, our jobs, our health. Chances are your answer is also similar, which is why this year you should consider allowing us to help you protect the things that matter to you the most.

The truth is insurance isn’t a luxury, it’s actually quite affordable and the ramifications of going without quite often outweigh your premium.

Ask yourself this question; if the answer is no then fair enough. But, is there anyone that relies on your income? This can be a spouse or a child, or a close relative. We’re willing to bet that you want to ensure that the loved ones you leave behind aren’t left out of pocket. What insurance product would be suited to your needs? Life insurance!

You suddenly fall ill and require overseas treatment; your health insurance will have you covered!

You are robbed whilst on holiday; Sacos’ Travel Insurance has got your back!

We have a whole range of insurance products that are tailored to your needs. Make 2020 the year you have all your bases covered: Call us on 429 5000 or send an email to info@sacos.sc and an officer will be more than happy to provide you with more information!

Do I need public liability insurance for my Christmas party?

Your company end of year party is probably one of the most anticipated event in December; it’s a time for everyone to let their hair down and wind down after a long year of hard work. But deciding on catering and the venue are not the only important decisions to make: Staff welfare at the party should be a top priority No one wants to think of what could go wrong amidst the festive frivolity, but our job as an Insurance agency is to consider all potentials risks.

That said, were you aware that at least one person requires hospital treatment every year, specifically for falls, cuts and burns over the Christmas period?

Public liability insurance is one of the very valuable policies that are often overlooked, but it could save your company a substantial amount in compensation payments and legal fees if a claim were to be made following an event.

Having a Public liability insurance policy  will cover a party on work premises and protect you in case of any incidents. Our verdict? Whilst it isn’t a legal requirement, anything that works out in your best interest or is there for your protection is always handy to have!

 

 

Stumped on what to get your kid this Christmas? Consider a Junior Insurance Plan!

Xmas Sacos - Copy

Sure, they’re probably not going to be jumping for joy when you tell them that Santa didn’t get them as many toys this Christmas because he purchased a life insurance plan in their name, but we can guarantee they’ll definitely be thanking you when the time comes to cash in on that policy!

Continue reading “Stumped on what to get your kid this Christmas? Consider a Junior Insurance Plan!”