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The outbreak of a global pandemic and subsequent lockdown has seen life as we know it change in ways we could not have imagined six months ago. Yet I am so uplifted by how ordinary South Africans have shown such resilience and companionship. We have seen many everyday heroes emerge, like the nurses who catch a taxi before dawn, to work a 20-hour day in the most uncomfortable personal protective equipment… and there are thousands of people like this saving lives. You may not wear a cape, but you are a hero. Thank you!

When you're gone, you can alleviate the burden and stress on your loved ones by putting together a "red file" (also known as a death file) which will house all your valuable information needed to carry out your funeral as well as to settle your estate.

It has been a year of dealing with the pandemic, lockdowns and knock on effects of living in this strange and sometimes very complicated world. We remain deeply committed to constantly seeking new ways of ensuring excellence, being your companion and ensuring you are protected.

Your estate and bank accounts can be frozen for a long time after your death. Here's how you can help your family pick up the pieces and have enough funds to live on.

Leaving behind a life insurance policy, writing a Will and setting up a Trust provides financial support and protection for your children in the event of your death.

Going to court is costly, time-consuming and should be the last resort. We show you ways to resolve disputes without having to go to court.

Losing a family member due to misconduct or negligence is painful. We discuss how you can seek justice on behalf of your loved one for a wrongful death action.

In this article, we give a brief overview of the latest crime stats, give guidance on reporting a crime, and obtaining a protection order. We also provide you with information on our services to assist you in dealing with emotional trauma and seeking medical advice and emergency medical response.

Since our last newsletter in August, we have received incredible feedback and suggestions on how we can provide our newsletters in a more meaningful manner.

You could take a financial hit if your insurance company raises your premium levels to counteract the cost of fraudulent claims.

As we enter 16 days of activism against Gender Based Violence (GBV), we wanted to highlight the increase in GBV that has occurred under COVID-19 and lockdown conditions. Our article sheds light on steps we can take to bring this plight to an end.

The New Year has brought about the chance for all of us to approach new opportunities and experiences in a revitalised and optimistic way.

We discuss the legal aspects of human remains and the rules in relation to all matters related to the disposal of dead bodies

As consumers, we have rights when purchasing goods in-store and online. We help you understand these rights and provide you with the steps you can take to ensure that goods purchased meet your expectation.

Most of us dream of owning our own property, however, this is a costly endeavour and we may need to obtain a loan from a bank. We explain in this article your rights as a property owner and the two types of interest rates for such a loan as well as the various insurances involved in owning property.

The price tag for giving your loved one a dignified send-off can dramatically increase as you add on the costs of catering, flowers, and tombstones and other cultural or religious requirements based on your beliefs.

In our latest Legal&You edition, we discuss the rights that protect you as a parent and the ways, even when you are divorced. We touch on funeral cover during natural disasters and we also look at ways we can help children that are diagnosed with Creche Syndrome. Finally, we show you the 'secret' formula that you can follow when saving to ultimately become a millioniare!

Funeral policies are there to help soothe the grief of a final goodbye to a loved one. When policies are not what was advertised, it adds to the pain. This month, we outline how you can check that your funeral policy is not a scam.