Dawid Coetzee

I Started working as a Tied Agent with Liberty 30 year ago 01 May 1993.
From there on I worked and learned the ropes from my colleagues who had experience in the industry and went on numerous joint calls to learn the way to explain to a prospective client what needs to be done to protect their families and assets against major events such as death, disability, dread disease, investments, retirement planning and the way of life that does not give you warning.
I attained my CFP® qualification at the age of 45 and since have had to retain my qualification by keeping updated on changes in the legislation as well as product training as these changes all the time.
I also made an effort to make sure clients also have Last Will and Testament in place to protect the client against not understanding what is needed to be done in the event of a death. Strange that still today you will meet people who do not understand what an ESTATE is or how it works. Someone answered me in my suggestion needing life cover to cover shortfalls in his estate and he’s answer was, “not to worry as his estate will pay for everything”!! My question was where does it come from to pay the costs and outstanding debt if you do not provide for it yourself, government is not paying, the fairies are not paying, your wife is not in a position to pay. Your Estate is your own assets and liabilities so you have to cover that all by Life Insurance and investments. No body else is going to pay for your liabilities, only yourself with what you create and save and implement for such disasters to protect your loved ones remaining behind.