Feeling stressed?

If you are feeling stressed and suffering from “Financial Insomnia”, please STOP!

Don’t Panic! Just take a deep breath, breathe out and let us show you how we can help you in this time of crisis.

Here are some simple tips for you if the financial strain is getting the better of you.

Firstly please do not worry, we have professionals who specialise in each area of our financial services divisions and we have a plan just for you.

This is a season and all seasons pass.

We need you to be a position to make well informed, practical decisions that are prudent and well thought through, if not, the consequences could be catastrophic to you, your family and most important your finances.

If you feel you're having a financial crisis and need to “cut back” please look at the following as alternatives:

1: Chat to us at QuattroSure and let’s try and save you some money on your short term insurance cover. It’s easy to do, it doesn’t require any effort from you and we can fix it at any stage. This offering is free of charge to all of you during this crisis.

Call Nadine (071) 660-4073 or Devin +27 (81) 756-5156

2: Chat to us at QuattroMed and let’s see what savings we can get you on your Medical Aid and Gap Cover. We have exceptionally affordable options for you to consider without compromising your cover, in fact, in most cases we can get you better, more comprehensive cover for less money. So let us show you how? It a free service offering, please give us an opportunity to assist you.

Call Michele (079) 057-0597 or Bianca +27 (82) 570-1066

3: Contact your bank and ask for “an interest only”payment on your bond in the interim, the capital portion will not be debited thus reducing your debit order to the interest portion only. Extend your term of loan, this too will result in a lower premium and you can catch up later.

4: Contact your bank and ask for “an interest only” payment on your vehicle and asset finance, the capital portion will not be debited thus reducing your debit order.

5: Take premium holidays on savings if you have this option available, there is no impact on your investment and you can start it up again afterwards. It will reduce your savings in the short term but give you the saving you may need.

6: Other things to consider are going into arrears on car and bond payments for a month if the situation get bad enough, it’s not ideal however these can be caught up when you get your affordability back on track. Please speak to your bank about this.

5: At Quattro Life we have many ways of looking at your current polices and structures, it’s not ideal in all circumstances but if you have exhausted all the other options it’s one you may need to consider.

Email or call your Quattro advisor (Andrew Walsh) or if you don’t have one yet or want to change. [email protected] 0833205970 thats me.

Remember:

1: If you reduce or cancel your life cover, disability cover, dread disease cover or income protection and you don’t replace it, you may potentially be underinsured when you need it most.

You and/or your family may suffer the financial consequences and this we want to avoid at all costs.

You really need this cover now more than ever. Let us guide through this journey and show you how to make simple sense of this during this crazy time.

2: If you reduce your risk cover there is a chance you will potentially not get it back again in the future due to changes in your health.

You may end up having exclusions, loadings or declines in the future. We are very prudent in our advice process and we ensure you are equipped to make the right decisions for you and your family. This offer is free of charge to anyone who is in need.

3: If you reduce your risk cover it may cost you more when you alter the policy “back to what is was” because of the insurers new ratings on your age. If you are older than when to took it out initially the premium will based on your age when you remedy it.

4: If we advise changing your current cover to an alternate insurer you will be explained all the benefits as well as any consequences upfront, there are no “grey areas” or T&C’s left unanswered.

If you are with Momemtum currently you can get up to 60% discounts on your risk policies so take full advantage of this, we can guide you and show you how.

Momentum Multiply is a very simple and effective way to save a significant amount of money monthly on your premiums and current spending, added to this, you can get free Health Returns paid into you Medical savings every month for your “out of hospital, day to day spending”. This too is free, let’s show you how.

Setting up a detailed budget is essential for you and your family, it helps identify the good and bad spending habits and it clarifies what is “important to have” and what is “nice to have”.

From your budget we will sit with you and look at the most appropriate way to keep you on track in achieving your objectives.

We are open for business remotely so take full advantage of our offering and let’s make 2020 to be the best year of your life.

Disclaimer:

Please note, none of this content is construed as advice, you must speak to an advisor before making or implementing any plans or changes.