MOST PEOPLE TAKE OUT FUNERAL POLICIES

@zolangqisha

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Promoted product

life cover

Why it worked

The video effectively contrasts a common, limited financial product (funeral policy) with a more beneficial one (life cover), framing the latter as a tool for generational wealth and legacy building. It addresses a common fear and misunderstanding about life cover, making it relatable and actionable.

Summary

The video contrasts funeral policies with life cover, highlighting that life cover can provide financial benefits for future generations, such as funding education or creating generational wealth. It encourages viewers to consider life cover for their parents, emphasizing that it's never too late to start the conversation and that the benefit lies in the legacy left behind, not just covering immediate funeral costs.

Structure

1Contrast funeral policies with life cover.
2Explain the long-term benefits of life cover for future generations.
3Address common fears about taking out life cover on parents.
4Explain the legal principle that prevents beneficiaries from profiting from a death they caused.
5Emphasize the choice between leaving bills or a financial foundation for family.
6Call to action to contact the creator for assistance.

Original caption

A funeral policy pays out, covers the funeral, and then it is finished. But what if the cover you took out on your mother or father could do more than bury them with dignity? What if it could fund a degree, pay for your children's education, and become the foundation of something your family has never had before? Right now families across South Africa are quietly making one decision that changes everything for the next generation, and most people have no idea it is even possible. There is an age limit most people get wrong, a fear that stops parents from saying yes, and a principle in our law that puts that fear to rest completely. Zola Ngqisha, co-founder of Siyolise BlueStar with more than fifteen years in financial planning, breaks down the difference between funeral cover and life cover, why the conversation matters more than the money, and how to start building real generational wealth from one policy. If you want help setting this up, send a DM or WhatsApp my office using the number in my bio. #lifecover #funeralcover #lifeinsurance #FinancialPlanning #financialadvisor

More from @zolangqisha

On-screen text

MOST PEOPLE TAKE OUT FUNERAL POLICIES FOR THEIR PARENTS. THE MONEY COMES THROUGH, THE FUNERAL HAPPENS AND THEN IT'S GONE. THAT'S IT. NOW PICTURE SOMETHING NOW PICTURE COVER THAT BURIES YOUR PARENT WITH DIGNITY AND STILL LEAVES ENOUGH BEHIND TO SEND YOUR CHILD TO UNIVERSITY, TO FUND THAT POSTGRADUATE QUALIFICATION THAT TAKES THE WHOLE FAMILY TO THE NEXT LEVEL. THAT IS WHAT IS HAPPENING RIGHT NOW. AND I HAVE TO TELL YOU, THE MOST ENCOURAGING THINGS THAT I'M SEEING. PEOPLE ARE REACHING AND MY TEAM EVERY WEEK ASKING US TO OUT LIFE COVER ON THEIR PARENTS, NOT FUNERAL COVER, LIFE COVER. AND THE DIFFERENCE BETWEEN THOSE TWO THINGS COULD CHANGE YOUR FAMILY FOR GENERATIONS. AND WANT YOU TO UNDERSTAND. A FUNERAL POLICY PAYS OUT AND FINISHES AFTER THE FUNERAL. LIFE COVER IS DIFFERENT. IT CAN COVER THE FUNERAL, YES, BUT THE REAL POWER IS IN WHAT IS LEFT OVER AFTER. THE MONEY CAN FUND YOUR EDUCATION. IT CAN FUND YOUR CHILDREN'S EDUCATION. YOUR GRANDCHILDREN. ONE DAY, IT CAN BECOME THE FOUNDATION OF SOMETHING THAT YOUR FAMILY HAS NEVER HAD BEFORE, A LEGACY, REAL GENERATIONAL WEALTH STARTED FROM ONE DECISION YOU MADE ABOUT YOUR MOTHER OR YOUR FATHER. AND HERE'S SOMETHING DON'T KNOW. YOU ARE NOT TOO LATE, AS PARENT IS IN REASONABLE HEALTH AND WILLING TO GO FOR THE MEDICALS, OUT LIFE COVER ON A PARENT. UP TO THE AGE OF 80 YEARS OF AGE. YES, 80, 80. THE DOOR IS OPEN FAR WIDER THAN YOU THINK. SOME OF THE MOST BEAUTIFUL MESSAGES I GET ARE NOT EVEN FROM THE CHILDREN. THEY ARE FROM THE PARENTS. MOTHERS AND FATHERS REACHING OUT TO ME, ASKING ME TO PLEASE CONTACT THEIR CHILDREN BECAUSE THEY WANT TO SET THIS UP AND THEY DO NOT KNOW HOW TO START THE CONVERSATION. THINK ABOUT THAT. THE PARENT IS READY. THEY ARE WAITING ON YOU, BECAUSE THAT'S THE REAL STUMBLING BLOCK. IT'S NOT ABOUT THE MONEY. IT'S THE CONVERSATION. SOME PARENTS GET SCARED. THEY THINK IF MY CHILD TAKES OUT COVER ON MY LIFE, ME GONE? ARE THEY WAITING FOR ME TO PASS ON? THAT FEAR. PUT IT TO REST. THERE IS A PRINCIPLE IN OUR COMMON LAW. IT STATES THAT THE BLOODY HAND SHALL NOT INHERIT. IF ANYONE IS HAVE PLAYED A PART IN CAUSING THE DEATH OF INSURED, THE INSURER WILL NOT PAY NOT 1 CENT. SO THE FEAR THAT SOMEONE TAKES OUT COVER TO HARM A PARENT COLLAPSES THE MOMENT YOU UNDERSTAND HOW THE LAW ACTUALLY WORKS. THERE'S NO BENEFIT IN IT. NONE WHATSOEVER. SO SIT WITH THIS. ALL OF ARE GOING TO PASS AWAY ONE DAY, EVERY SINGLE ONE OF US. THAT'S NOT IN QUESTION. THE ONLY QUESTION IS WHAT WE LEAVE BEHIND WHEN WE GO. YOU CAN GO AND LEAVE BILLS FOR YOUR FAMILY TO SCRAMBLE TO COVER OR YOU CAN GO AND LEAVE A FOUNDATION THEY CAN BUILD ON COVER DOES NOT BRING DEATH ANY CLOSER. IT JUST DECIDES WHAT DEATH LEAVES BEHIND. HELP SETTING THIS UP, LIKE THE MANY ALREADY REACHING OUT TO ME AND THE MANY FAMILIES WE HAVE ALREADY ASSISTED, SEND ME A DM OR WHATSAPP MY OFFICE USING MY BIO.

Transcript

Most people take out funeral policies for their parents. The money comes through, the funeral happens and then it's gone. That's it. Now picture something, now picture cover that buries your parent with dignity and still leaves enough behind to send your child to university, to fund that postgraduate qualification that takes the whole family to the next level. That is what is happening right now. And I have to tell you, the most encouraging things that I'm seeing. People are reaching and my team every week asking us to out life cover on their parents, not funeral cover, life cover. And the difference between those two things could change your family for generations. And want you to understand. A funeral policy pays out and finishes after the funeral. Life cover is different. It can cover the funeral, yes, but the real power is in what is left over after. The money can fund your education. It can fund your children's education, your grandchildren. One day, it can become the foundation of something that your family has never had before, a legacy, real generational wealth started from one decision you made about your mother or your father. And here's something don't know. You are not too late, as parent is in reasonable health and willing to go for the medicals, out life cover on a parent, up to the age of 80 years of age. Yes, 80, 80. The door is open far wider than you think. Some of the most beautiful messages I get are not even from the children. They are from the parents. Mothers and fathers reaching out to me, asking me to please contact their children because they want to set this up and they do not know how to start the conversation. Think about that. The parent is ready. They are waiting on you, because that's the real stumbling block. It's not about the money. It's the conversation. Some parents get scared. They think if my child takes out cover on my life, me gone? Are they waiting for me to pass on? That fear. Put it to rest. There is a principle in our common law. It states that the bloody hand shall not inherit. If anyone is have played a part in causing the death of insured, the insurer will not pay not 1 cent. So the fear that someone takes out cover to harm a parent collapses the moment you understand how the law actually works. There's no benefit in it. None whatsoever. So sit with this. All of are going to pass away one day, every single one of us. That's not in question. The only question is what we leave behind when we go. You can go and leave bills for your family to scramble to cover or you can go and leave a foundation they can build on. Cover does not bring death any closer. It just decides what death leaves behind. Help setting this up, like the many already reaching out to me and the many families we have already assisted, send me a DM or Whatsapp my office using my bio.