Ihan Nel - Efficient Wealth

08/10/2026

THE TRUE COST OF BEING UNDERINSURED

Most people assume that, if they have insurance in place, they are fully protected.
Unfortunately, one of the most common and costly issues we encounter is
underinsurance, and it often only becomes apparent when people claim.

What is underinsurance?
Underinsurance occurs when an asset is insured for less than its true replacement
value. When this happens, insurers are entitled to apply what is known as the
average condition. This means that, if you are insured for less than the full
replacement cost, any claim (even a partial loss) may be reduced proportionately.

For example, if your home should be insured for R4 million, but it is only insured
for R3 million, you are effectively insured for 75% of its value. In the event of a
R1 million claim, the insurer may only pay 75% (R750 000), leaving you to fund the
remaining R250 000 yourself. This principle applies even if the loss is not a total
loss.

Make sure you are not underinsured.

Call me today:
Ihan Nel: +27 72 612 1797
[email protected]

06/10/2026

Ek vermoed dapper en stapper is ons voorland... of fiets trap... NOU gaan ons fiks word.

Alle grappies op 'n stokkie... hierdie is nie goeie nuus vir ons of die ekonomie nie.

04/10/2026

Besigheidsversekering gaan nie net oor jou nie — dit gaan oor die mense wat saam met jou die besigheid laat werk.

Jou werknemers, jou span en hul families is deel van die groter prentjie. Wanneer jy die regte besigheidsversekering in plek het, beskerm jy nie net die onderneming nie, maar ook die mense wat daarvan afhanklik is.

Ek kan jou help met die regte oplossings sodat jou besigheid en jou span met gemoedsrus kan voortgaan om te groei.

Ihan Nel: [email protected] | (+27) 72 612 1797

01/10/2026

Your financial plan should evolve with your life.

Major life events, changing family circumstances and new financial goals are all good reasons to review your overall strategy.

Speak to an Efficient financial advisor and take the next step towards lasting financial wellbeing: www.efgroup.co.za

29/09/2026

Life changes such as marriage, having children or becoming a guardian should prompt a review of both your estate plan and your healthcare cover.

Planning ahead helps ensure your family is protected when it matters most.

Review your healthcare cover as your circumstances change.

Contact me if you need help:
Ihan Nel: +27 72 612 1797
[email protected]

27/09/2026

Estate planning is not only about deciding what happens to your assets. It is also important to consider how those assets are protected while they remain in your estate.

Reviewing the insurance on your home, vehicle and other valuable possessions can help identify gaps in cover and ensure your policy details remain up to date.

Short-term insurance and estate planning serve different purposes, but both contribute to protecting what you have built.

Review your asset protection and contact me for a free consultation today:
[email protected] | (+27) 72 612 1797

24/09/2026

Die moeite werd om hierdie beginsels toe te pas...

'Smart Money Moves'...

Kyk gerus hierna... leer dit vir jou kinders... dis die moeite werd om van jongs af toe te pas.

As jy hulp nodig het, kontak my: [email protected]

22/09/2026

Financial wellbeing includes preparing for life's uncertainties.

Reviewing your Will, beneficiary nominations, insurance cover and investment strategy helps ensure your financial affairs remain aligned with your goals.

Review your financial plan with an Efficient advisor: www.efgroup.co.za

20/09/2026

A single unexpected event can disrupt retirement plans.

Protection ensures your long-term financial strategy stays intact. Strengthen your retirement protection plan. Review your cover with us.

Contact me for a free consultation today
[email protected] | (+27) 72 612 1797

19/09/2026

Investment portfolios should support both today's goals and tomorrow's legacy.

Regular reviews help ensure your investments continue to align with your changing circumstances.

Partner with an Efficient Wealth advisor and review your investment strategy today: www.efw.co.za