Dylan Powell - Financial Adviser

02/06/2026

64.8% of Liberty Group SA 's 2025 claims were from men. 35.2% from women.

At first glance, that looks like a male problem. Look closer, and it is a household problem.

But something is shifting. More women are assuming the breadwinner role — and yet many still don't prioritise covering their own income earning capacity in the same way they would for those they love.

Most women focus on life cover. And life cover is essential. But life cover takes care of others when you are no longer there.

The bigger question is this: what happens if life happens, and you don't die?

Cancer is the leading claim cause for women at 29.7%. Cardiovascular disease at 14.4%. These are not events that always end in death. Increasingly, they are events people survive — without income, without cover, and without a plan.

More than 85% of breadwinners have no critical illness cover. The average breadwinner is underinsured by R3.1 million.

Life cover answers one question. Income protection and critical illness cover answer the one most people never think to ask.

Connect with an IWCP adviser to find out where you stand.

Source: Liberty Claims Statistics 2025 | ASISA Life and Disability Insurance Gap Study 2025

01/06/2026

The best time to put protection in place is before you need it.

Most people insure what they can see, their car, home, phone, or belongings.

But what about the asset that pays for all of those things?

Your ability to earn an income is often your greatest financial asset, yet it's one of the most overlooked.

The reality is that illness, injury, or unexpected life events don't send a warning before they arrive. By the time protection feels important, it's often because it's already needed.

A strong financial plan isn't only about growing wealth. It's about protecting the foundation that makes wealth possible in the first place.

The question isn't whether protection is valuable.

The question is whether you'll have it in place when it matters most, lets chat if you are ready.

29/05/2026

South Africa has a R50.4 trillion insurance gap.

A growing shortfall putting millions of households at risk, and evidence that many South Africans carefully choose where to invest their money, while few apply the same rigour to protecting it.

Liberty Group SA 2025 claims statistics are out. Think of this as your annual fact sheet for long-term insurance, the foundation most wealth-builders overlook.

LIBERTY 2025 AT A GLANCE

Total claims paid: R7.79 billion, up 7% (R275 million) on 2024

Total paid since 2006: R90.06 billion

Individuals and beneficiaries supported: 27 976

Claims by pillar:

Life Protection: R5.63 billion

Lifestyle Protection: R1.24 billion

Income Protection (lump sum): R660.6 million

Income Protection (monthly): R263.4 million

Top claim causes:

Cancer: 32.5% | Cardiovascular disorders: 22.2% | CNS disorders: 5.7%

For men specifically: Cancer (37.4%), Cardiovascular (26.6%), CNS (6.3%)

For women specifically: Cancer (29.7%), Cardiovascular (14.4%), CNS (5.4%)

64.8% of all claims were from men. 35.2% from women.

Your ability to earn an income is your single greatest asset. Before you own property. Before your portfolio compounds. Before your retirement savings accumulate.

You cannot build wealth you cannot protect.

Cancer and cardiovascular disease are the dominant claim causes for both men and women, not niche risks, but the statistical reality of what ends careers and derails financial plans at the peak of earning years.

Why the Lifestyle Protector is different:
Most people accept uncertainty as part of insurance. The Lifestyle Protector is built on the opposite principle: Premium Certainty, which means guaranteed discounts and guaranteed premiums.

Your discount is locked in from day one. Your projected premium over the guarantee term is the premium you pay. As your cover grows, the cost remains known. Your policy becomes a predictable, plannable line item in your wealth strategy, an asset protecting the asset that generates everything else.

R90.06 billion paid over 19 years. The data behind it made public, every year. That is not marketing. That is accountability.

At IWCP, we believe protection is not where financial planning ends. It is where it begins. Connect with one of our advisers to find out where you stand.

28/05/2026

A lot of people think they need to reach a certain income level before they start planning their finances properly.
But financial freedom isn’t only for “one day” when you earn more. It starts with making smarter decisions with what you already have.

You don’t need to have everything figured out to start.
If you’re ready to have the conversation, let’s chat.

26/05/2026

25/05/2026

Most people only realise the value of a financial plan when life reminds them why they needed one in the first place.

The reality is, uncertainty doesn’t send a warning first. That’s why having the right protection, structure, and guidance in place matters long before it’s needed.

A solid financial plan isn’t just about money. It’s about creating stability, protecting your family, and giving yourself peace of mind for the future.

If you’ve been putting your financial planning off, maybe this is your sign to start the conversation.

Let’s chat. 👌

22/05/2026

21/05/2026

Most of the sacrifices we make for our families happen quietly behind the scenes. The long hours, the financial discipline, the decisions made today to create more stability and security tomorrow. Your children may never fully understand every sacrifice, but they will live in the future it helped create. A solid financial plan isn’t just about money, it’s about protecting the people you love and creating options for the years ahead.

If you’ve been putting your financial planning on hold, maybe this is your sign to start the conversation. Let’s chat.

19/05/2026

Oil prices continue to climb ⛽ as tensions between the US and Iran remain unresolved, keeping global markets on edge 🌍. Concerns around supply disruptions through the Strait of Hormuz are adding pressure to inflation and reinforcing expectations that interest rates may stay higher for longer 📈

Global bond markets remain cautious 📉 as investors weigh the economic impact of rising energy costs, ongoing conflict risks, and the possibility of prolonged inflation. Precious metals stocks also came under pressure last week 🪙 as hopes of a quick resolution in the Middle East faded once again.

Despite the uncertainty, investors are moving money back into emerging markets like South Africa 🇿🇦 as expectations of higher global interest rates continue to support carry trade opportunities. Commodity-linked currencies are benefiting from renewed investor appetite, helping attract capital flows back into emerging markets 💰

The reminder for investors remains simple: markets will always react to uncertainty, but long-term financial decisions should remain grounded in strategy, not emotion. Stay informed, stay disciplined, and if you’re unsure, speak to your financial adviser.

💵 USD/ZAR: 16.59
💷 GBP/ZAR: 22.21
💶 EUR/ZAR: 19.32
🥇 Gold ($): 4,564.21
⚪ Platinum ($): 1,972.20
🛢️ Brent Crude ($): 108.44
📈 All Share: -1.11% YTD
📉 S&P500: 8.22% YTD
📊 FTSE: 3.79% YTD
🌍 ACWI: 8.46% YTD
🌐 EM: 19.51% YTD

Got a story we missed? Drop a comment!
📞 Call us on 011 678 8904, or visit iwcp.co.za

18/05/2026

Most people spend more time planning their next holiday than planning their financial future 😅

The truth is, the earlier you start taking your finances seriously, the more options you give yourself later in life. Time is one of the biggest advantages when it comes to building wealth, reducing financial pressure, and creating long-term stability.

Too many people rely on “hopefully things work out” instead of having an actual strategy in place.

Good financial planning isn’t only about retirement one day. It’s about creating more freedom, less stress, and better decisions today.

Your future doesn’t need luck as much as it needs consistency, structure, and a plan.

If you’re ready to start building a stronger financial future, let’s chat.