Cover for the Life You Live
Oct 21, 2026 · 28 min · 9 segments
Most of us would rather not think too hard about what could go wrong. That is one reason risk cover can feel like money spent on something we hope never to use. But what happens when the real…
Most of us would rather not think too hard about what could go wrong. That is one reason risk cover can feel like money spent on something we hope never to use. But what happens when the real financial challenge is not dying, but surviving an illness or disability that changes how you live, work and earn? In this episode of Life Chapters, Money Choices, Kim Potgieter and Michael Avery are joined by Jordan van Dongen, Financial Planning Specialist at Chartered Wealth Solutions, for an honest and practical conversation about the cover we need for the lives we are living now. A serious diagnosis can bring costs that extend far beyond hospital bills. Income may stop. Recovery may take longer than expected. A family may need to rethink its home, daily routines or financial plans. At the same time, every premium competes with the bond, investments and the ordinary expenses of life. So how do you know what cover is enough, and what can you realistically afford? The conversation looks beyond life cover to income protection, critical illness cover and capital disability. It unpacks what each one is intended to do, where medical aid may leave gaps, and why future earnings may be one of the most valuable assets you have. It also considers a common problem: a policy taken out years ago may no longer match your income, responsibilities or family circumstances today. Money cannot remove a diagnosis, but it can ease some of the pressure and give you room to rest, recover and make decisions. The episode also asks practical questions about affordability, honest disclosure, commission and the value of good advice. It considers when cover should be reviewed, particularly after changes to your income, family responsibilities or stage of life. Risk planning is not about expecting the worst. It is about asking a quieter question: if your life changed tomorrow, would you and the people who depend on you still have choices? 🎧 Tune in. Be brave. Be on purpose.
Most of us would rather not think too hard about what could go wrong. That is one reason risk cover can feel like money spent on something we hope never to use. But what happens when the real…
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