Blog
Everything you’ve ever wanted to know about improving your personal finance and living financially free is included in this exciting blogs section. Whether you goal is to make money, save money, or getting insured, we’ve got the answers to all your pressing questions.
Our Blog
Welcome to our captivating offering of nothing but the best of reads in everything financial services. From jaw dropping industry facts, to tips for managing your personal finances, and in-depth information on a range of products and services, FWC has got you covered.
Protecting Your Investments: Why Insurance Is the Ultimate Black Friday Deal
by Omega Ngema | Nov 29, 2023
As Black Friday approaches, we often find ourselves caught up in the whirlwind of great deals and irresistible offers. However, amidst this sea of discounts on gadgets and apparel, there's one deal that stands out as not only valuable but...
Ensuring Protection: The Role of Insurance in Safeguarding Women and Children
by Omega Ngema | Nov 16, 2023
Insurance plays a vital role in safeguarding the future of women and children, especially in a country like South Africa, which faces unique challenges. As we observe the 16 Days of Activism against Gender-Based Violence, it's crucial to highlight...
Insurance Gaps: Addressing the Vulnerabilities of Women and Children
by Omega Ngema | Nov 14, 2023
Insurance is a crucial safety net that can make a significant difference in the lives of individuals and families. However, when it comes to women and children in South Africa, there are noticeable gaps in coverage that leave many vulnerable. In...
Smart Spending: Allocating Your Black Friday Savings to Worthy Insurance
by Omega Ngema | Nov 8, 2023
It's that time of year again. The leaves have turned, there's a chill in the air, and Black Friday deals are just around the corner. You might be gearing up for some serious shopping, eyeing the latest gadgets, fashion, or maybe a new TV. But wait....
Breaking Down the Stigma: Mental Health Coverage in Insurance Plans
by Omega Ngema | Oct 26, 2023
The topic of mental health has often been shrouded in silence and stigma. This Mental Health Awareness Month, we are not only shining a light on the importance of mental well-being but also taking a closer look at how health insurance can be a...
The Role of Medical Aid in Accessible Mental Health Care
by Omega Ngema | Oct 17, 2023
Mental health concerns affect individuals from all walks of life. It doesn't discriminate based on age, gender, or socioeconomic status. In today's world, the stresses and challenges we face can take a toll on our mental well-being. This is why...
Mental Health and Bereavement: Supporting Loved Ones During Loss
by Omega Ngema | Oct 9, 2023
When a loved one experiences the profound loss of a friend, family member, or partner, it can be an emotionally turbulent and challenging time. Financial Wealth Capital can provide some relief by ensuring that you have the right coverage to cover...
The Intersection of Life Insurance and Mental Health: Why It Matters
by Omega Ngema | Oct 4, 2023
Mental health issues affect millions of people around the world. Anxiety, depression, and other conditions can be just as debilitating as physical illnesses. Unfortunately, these struggles often go unseen, hidden behind smiles and everyday...
The Importance of Having Health Insurance in Today’s World
by Omega Ngema | Sep 26, 2023
Health insurance isn't just a piece of paper; it's a safety net, a cushion against the often crippling costs of medical care. From routine check-ups to unexpected surgeries, health insurance ensures that you're not burdened with the full financial...
Navigating Homeowners Insurance: What Every Homeowner Should Know
by Omega Ngema | Sep 21, 2023
Congratulations on becoming a homeowner! You've embarked on an exciting journey, but along with the joys of having your own space, it's crucial to ensure that you protect your investment. That's where homeowners insurance comes into play. In this...
Demystifying Life Insurance: Exploring Types and Unveiling Their Myriad Benefits
by Omega Ngema | Sep 13, 2023
Life insurance is often seen as a complex and daunting subject, but it's an essential financial tool that provides peace of mind and security for you and your loved ones. In this article, we're going to demystify the world of life insurance by...
Auto Insurance 101: A Comprehensive Guide to Coverage and Claims
by Omega Ngema | Sep 5, 2023
Auto insurance – it's that essential but often mysterious financial safety net we all need. From understanding the types of coverage available to navigating the claims process, having a grasp of auto insurance basics is crucial. In this...
Mental Health Support and Medical Aid: Bridging the Gap
by Omega Ngema | Aug 28, 2023
In recent years, there has been a growing awareness of the importance of mental health and its impact on overall well-being. However, despite this increased recognition, many individuals still struggle to access adequate mental health support...
Navigating the Complexities of Health Insurance: Tips for Choosing the Right Cover
by Omega Ngema | Aug 21, 2023
Health insurance is undoubtedly one of the most critical investments you can make in your well-being and financial security. However, navigating the intricacies of health insurance can be a daunting task, often leaving individuals feeling...
Closing the Gap: How Gap Cover Bridges the Healthcare Insurance Divide
by Omega Ngema | Aug 14, 2023
Hey there! Today, we're diving into a topic that affects many of us – healthcare insurance gaps and how gap cover comes to the rescue. Medical emergencies can be financially draining, and the last thing we want is to be left with hefty bills due to...
Medical Aid for Chronic Conditions: Strategies for Long-term Management
by Omega Ngema | Aug 7, 2023
Living with a chronic condition can be challenging, but with the right strategies and support from medical aid, individuals can effectively manage their health over the long term. Chronic conditions, such as diabetes, asthma, arthritis, and heart...
Securing Your Tomorrow: Life Insurance for Young Professionals
by Omega Ngema | Jul 26, 2023
Life as a young professional is full of possibilities and endless opportunities. As you embark on this journey of building your career and chasing your dreams, it's crucial to ensure you have a safety net in place for the unexpected twists and...
Health Insurance Basics: Key Terms and Concepts Explained
by Omega Ngema | Jul 20, 2023
Are you feeling a bit overwhelmed by the complex world of health insurance? You're not alone. Health insurance can be a confusing topic for many people. But fear not! As your friendly insurance broker, I'm here to help you demystify the key terms...
Creating a Will: Important Considerations and Common Mistakes to Avoid
by Omega Ngema | Jul 11, 2023
Have you ever thought about what would happen to your assets and loved ones if something unexpected were to happen to you? It's not a pleasant thought, but creating a will is an essential step in ensuring that your wishes are fulfilled, and your...
Comparing Car Insurance Quotes: How to Get the Best Deal
by Omega Ngema | Jul 5, 2023
Are you tired of feeling like you're paying too much for car insurance? We've all been there! The good news is that finding the best deal on car insurance doesn't have to be a daunting task. As your trusted insurance broker, we're here to spill the...
Understanding the Human Mind: How Psychology Influences Insurance Decisions
by Omega Ngema | Jun 28, 2023
We all make choices every day, from what to have for breakfast to what route to take to work. But have you ever stopped to think about the psychology behind decision-making, especially when it comes to insurance? The field of behavioural psychology...
Navigating Economic Risk and Real Estate Insurance: Adapting to Changing Market Dynamics
by Omega Ngema | Jun 22, 2023
As the market dynamics continuously change, it's crucial for homeowners and property investors to stay informed and adapt their insurance strategies accordingly. In this blog post, we'll explore the relationship between economic factors, such as...
Insuring Your First Car: Essential Auto Insurance Tips for Young Drivers
by Omega Ngema | Jun 14, 2023
As we celebrate youth month, it's the perfect time to talk about a milestone in your life: getting your first car. It's an exciting step towards independence and freedom, but along with it comes the responsibility of protecting yourself and your...
Building a Legacy: An Overview of Estate Planning and Life Insurance for Fathers
by Omega Ngema | Jun 6, 2023
With Father's Day just around the corner, it's the perfect time to talk about something that may not be on the top of our to-do lists but is essential for our families' future: estate planning and life insurance. We all want to leave a lasting...
Tips for Finding the Best Car Insurance for Your Needs
by Omega Ngema | May 23, 2023
If you're in the market for car insurance, you're probably looking for the best coverage at the best price. With so many options out there, it can be overwhelming to figure out where to start. But fear not! In this article, we'll go over some tips...
The Top 10 Things to Look for When Choosing a Health Insurance Plan
by Omega Ngema | May 18, 2023
Health insurance is a crucial aspect of our lives. It's the safety net that protects us from the exorbitant costs of healthcare, which can easily put us in financial distress. But with so many health insurance plans available, choosing the right...
The Pros and Cons of Term Life Insurance vs. Whole Life Insurance
by Omega Ngema | May 9, 2023
Are you considering getting life insurance? That's a wise decision, as it can provide financial protection for your loved ones in the event of your unexpected passing. However, with so many different types of life insurance policies available, it...
How to File an Insurance Claim: A Step-by-Step Guide
by Omega Ngema | May 3, 2023
Filing an insurance claim can be a daunting task, but it's essential to understand the process so you can receive the compensation you're entitled to in case of an accident, injury, or loss. In this article, we will provide a step-by-step guide to...
Insurance and Freedom of Choice: How to Choose the Right Coverage for You
by Omega Ngema | Apr 27, 2023
We all know that insurance is a way to pool risk, but have you ever wondered how it actually works? It's not always as simple as just asking an insurance provider to take on your risk and paying a premium. Choosing the right insurance can be...
Freedom Day and Insurance Fraud: The Importance of Reporting Fraud to Protect Our Freedom
by Omega Ngema | Apr 20, 2023
Freedom Day is a day to celebrate our hard-fought liberties and the rights that we enjoy as citizens of a free country. But did you know that insurance fraud can threaten our freedom? Insurance fraud is a serious crime that costs billions of...
Insurance for Multigenerational Families: Covering All Ages on Family Day
by Omega Ngema | Apr 10, 2023
It's no secret that family is one of the most important things in life, and when you have a family that spans across multiple generations, there's nothing quite like the feeling of togetherness that comes with it. However, with multiple generations...
Easter and Insurance Claims: What to Do If Accidents Happen
by Omega Ngema | Apr 6, 2023
Easter is a time for family gatherings, egg hunts, and celebration. However, accidents can happen, and they can quickly put a damper on your holiday spirit. From minor scrapes to major incidents, it's important to be prepared and know what to do if...
What to Do When Your Insurance Policy Is Cancelled or Non-Renewed
by Omega Ngema | Mar 30, 2023
Insurance is a necessary part of our lives because it provides financial security and peace of mind. However, your insurance policy may be cancelled or not renewed, leaving you without coverage. This can be an aggravating and overwhelming...
Top Mistakes to Avoid When Buying Insurance
by Omega Ngema | Mar 22, 2023
Insurance is a critical component of financial planning because it protects us and our loved ones from unexpected events such as accidents, illnesses, and natural disasters. Purchasing insurance, on the other hand, can be a daunting task,...
Tips for Lowering Your Insurance Premiums Without Sacrificing Coverage
by Omega Ngema | Mar 14, 2023
Insurance premiums can be costly for many people, but they are required to protect yourself and your assets. However, this does not imply that you must pay a high price for it. You can reduce your insurance premiums without sacrificing coverage...
How to File an Insurance Claim and Get the Best Outcome
by Omega Ngema | Mar 6, 2023
Filing an insurance claim can be a difficult task, but it is necessary to ensure that you receive the compensation you are entitled to. Whether it's a car accident, a medical problem, or property damage, filing a claim is the first step toward...
Skipping payments on insurance? Here’s all you need to know on policy lapses
by Omega Ngema | Feb 23, 2023
Insurance is an important financial tool that helps protect individuals and businesses from financial losses due to unexpected events such as accidents, illnesses, and natural disasters. It provides peace of mind and financial security by helping...
The consequences of not having a valid Will
by Omega Ngema | Feb 17, 2023
A will is an important legal document that outlines how a person's assets and property should be distributed after their death. It can also be used to name guardians for minor children and make other important decisions about the disposition of...
Which are the four types of insurance that everyone should have?
by Omega Ngema | Feb 8, 2023
As a crucial protective layer for you and your loved ones from financial loss due to unexpected events, insurance is one of the most important expense that every household should have. Without insurance, you would be responsible for paying for all...
How to pick the best health insurance
by Omega Ngema | Feb 3, 2023
There to cover the cost of medical care when you need it, health insurance can help your family through life and death situations. They usually cover a wide range of medical expenses such as doctor visits, prescription drugs, laboratory tests,...
Choosing the best medial aid plan for your needs
by Omega Ngema | Jan 26, 2023
Medical aid is an important aspect of healthcare because it helps to ensure that individuals have access to the medical treatment and services they need. This can be especially important in cases where an individual has a serious or chronic medical...
Is It Worth It To Have Medical Aid
by Omega Ngema | Jan 17, 2023
Medical aid has a reputation for being expensive and complicated, but it may also be the only thing standing between you and financial disaster should you need health care at some point. If your employer offers a wellness program through work, this...
Some unspoken reasons why car insurance goes up every year
by Omega Ngema | Jan 13, 2023
There are a few reasons that car insurance prices go up every year. The first reason is that the cost of car repairs and replacements continue to rise. Insurance companies must account for these rising costs when they set their premiums. Another...
What Age Is The Best Time To Get Life Insurance?
by Omega Ngema | Jan 6, 2023
We all know that life insurance is an essential part of securing your financial future, but many often get confused with regards to when is the best time to get life insurance. The simple truth is that the sooner you get life insurance, the better....
How Is Home Insurance Calculated?
by Omega Ngema | Jan 1, 2023
If you are a homeowner or atleast have aspirations of becoming one, you know that an expensive asset cannot be not insured. However, in the ever expanding world of insurance it is hard to discern which to choose, or more importantly how your...
A Guide to Last Will and Testament Rules for Married Couples
by Omega Ngema | Dec 22, 2022
Having a last will and testament is an important part of being married. It helps couples to plan ahead for the future, regardless of what happens. That being said, creating a last will and testament can be complicated and it’s important to...
Ensure Your Car Insurance is Up-to-Date This Holiday Season
by Omega Ngema | Dec 15, 2022
With the holidays in full swing and our roads busier than ever we are reminded of how much responsibility comes with being a driver in South Africa. One of the most important responsibilities that drivers need to take care of is making sure their...
All You Need to Know About Life Insurance
by Omega Ngema | Dec 7, 2022
Life insurance is an important part of financial planning. It can provide financial protection for your loved ones in the event of your death, and it can also provide a tax-free source of income while you’re still alive. Here’s a breakdown what...
Is Funeral Cover Worth It?
by Omega Ngema | Dec 1, 2022
Planning for the future is an important part of life. Although it’s often difficult to think about, planning for the eventuality of death is a common way to provide financial security for your loved ones in the event of your passing. One way to do...
Some smart ways to pay less on your home insurance
by Omega Ngema | Nov 23, 2022
If you’re a homeowner I know you would appreciate any opportunity to pay less on atleast one thing related to the home. After working hard to save up for the deposit, a good enough credit score, and salary bracket to qualify for the bond you need,...
South Africans are lagging behind on their retirement savings, but there is a way out
by Omega Ngema | Nov 15, 2022
Most South African households are not adequately prepared for retirement or their short- to medium-term savings needs. As per the latest National Treasury analysis, household savings average just above 2% of GDP per year, with most of it being...
Are you covered for your mental health?
by Omega Ngema | Nov 4, 2022
Earlier this year, news24 reported that South Africa was ranked among the lowest on a mental health wellbeing scale composed by Sapien Labs for Annual Mental State of the World Report. The publication also reported that as many as one in six South...
All you need to know about gap cover
by Omega Ngema | Jul 1, 2022
Suppose that you have a medical aid policy, and while it might cover some medical possibilities, it also might not pay for all medical expenses. Gap cover would be the perfect contingency plan to cover these costs. An additional layer of protection...
How to pick the best insurer for your needs
by Omega Ngema | Jul 1, 2022
There is no denying the value of taking out an insurance policy. Living without insurance is like walking around in banana peel laced shoes - just an accident waiting to happen. The most obvious benefit of insurance that any agent will try and sell...
The living benefits of life insurance
by Omega Ngema | Apr 13, 2022
Whether you're married with kids or have a partner or other relatives who depend on you financially, having life insurance should be an integral part of your household budget. Car crashes are expensive to fix, so you took vehicle insurance. We live...