Interesting articles about insurance
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Cashew nuts

Cashew nuts – where do they come from?

Cashew nuts are in fact the kidney-shaped seeds that stick to the bottom of the cashew apple, the fruit of the cashew tree, which is innate to Brazil. Cashew apples are only appreciated in Brazil and the Caribbean. WE always buy Cashews shelled because the shells contains a caustic resin, cashew balm, which must be completely removed before the nuts are ready to eat. This resin is used to make varnishes and insecticides.
Roasting the cashews destroys the toxins, but roasting must be preformed carefully outdoors because the smoke can irritate the lungs, sometimes to a life- threatening degree.

Cashew nuts – Health Benefits

Heart-Protective Monounsaturated Fats
Cashews have a lower fat content than most other nuts and 80% of their fat is unsaturated fatty acids. To top that, 66% of this unsaturated fatty acid content are heart-healthy monounsaturated fats, similar to those found in olive oil.
Enjoying cashews is a good idea, also for persons with diabetes.

Cashew nuts – Antioxidant, Energy Production, Bones and Blood Vessels

Cashews contain copper.
Copper plays a role in iron utilization and elimination of free radicals, growth of bone and connective tissue, and production of the skin and hair pigment called melanin. Copper is an essential component of the enzyme which is important in energy production and antioxidant defenses. Copper leps flexibility in blood vessels, bones and joints. Lack of copper may also be associated with colon cancer.

Cashew nuts – Bone Up and Relax

Cashews contain Magnesium.
We know that calcium is vital for strong bones, but so is magnesium. Magnesium balances calcium and helps regulate nerve and muscle tone. It serves as a calcium channel blocker, preventing calcium from activating the nerve. Magnesium keeps our nerves relaxed.
Insufficient magnesium can add to high blood pressure, muscle spasms and cramps, migraine headaches and fatigue. Magnesium promotes normal sleep patterns in menopausal women and reduces the severity of asthma.

Cashew nuts – Lower Risk of Weight Gain

Many avoid nuts for fear of weight gain. Studies have shown that people who eat nuts at least twice a week are much less likely to gain weight than those who almost never eat nuts.
Practical Tip: Don’t let concerns about gaining weight prevent you from enjoying the delicious taste and many health benefits of Cashew nuts!

Sprinkle a handful of nuts over your morning cereal, lunchtime salad, dinner’s steamed vegetables. Or just enjoy a handful of lightly roasted Cashew nuts as a healthy snack.

Eat nuts for your health!



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Dental Insurance is the safe way to go

What does Dental Insurance generally cover?

Dental insurance is something nobody can do without. Even though most people visit their dentist once or twice a year, certain procedures may be costly and that is where having dental insurance comes in handy. South African Health Insurance products usually include medical as well as dental cover.

Basic dental insurance generally covers the cost for two dental checkups per year. Straightforward procedures like cleaning and filling teeth are typically also covered by your dental insurance package.

Regular dental visits may prevent more costly procedures like root canal operations, crown filling and dental bridgework. Insurance companies are aware of the fact that periodic checkups may prevent more expensive treatments and therefore they include checkups in your dental insurance policy.

Group Dental Insurance

Some companies offer Group Dental Insurance to their employees as part of their employment package. The employees are provided with a list of dentists who are approved by and registered with the particular insurance company that provides the Group Dental Insurance. Employees may then visit the listed dentists when needed. In some instances, the family members of the employees are also included. With Group Dental Insurance, all administrative matters are handled by the employer.

Dental Insurance Limits

Dental Insurance plans commonly have specific limits regarding the level of cover. Higher dental plan levels pay higher premiums, but the limit of dental cost per annum is also higher. Medical Aid schemes provide the main member with options to include family members at a little additional cost.

Dental Insurance is an important issue and it would be wiser to purchase a decent Dental Insurance plan than doing without.

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Why Smokers pay higher Insurance Premiums

The smoking habit is highly expensive. Whilst you may proclaim to truly enjoy every cigarette you smoke, it begs the question: ‘is that enjoyment worth the cost?’ To insurance brokers there are two types of prospective customers; smokers and non-smokers.

Loaded life insurance premiums are what happens to every single smoker. Someone who calls himself ‘just a social smoker’ because he occasionally smokes and someone who smokes everyday can end up in the same life insurance category. If you smoke more than 20 cigarettes a day it is even more. A smoker’s insurance premiums can be treble that of non-smokers. Insurance companies know that smoking magnifies the risk of untimely death.

Insurance cost is a huge issue, but not the only financial one. Neither is untimely death. A smoker literally burns his money away in higher insurance premiums .The financial penalties extend far past the price of cigarettes. The smoker endures many other costly consequences to lighting up.

Smokers pay more for health insurance premiums, dry cleaning and for teeth whitening at the dentist. All of these costs put a large dent in his wallet. Homes and vehicles that retain the stench of cigarette smoke lose resale value. Insurance companies even believe smokers are more likely to burn down the house.

As if that is not enough, studies show that smokers earn up to 11 percent less than non-smokers. Employers think of time wasted on smoke breaks. Smokers may be overlooked for a job.

The consequences of smoking don’t only affect the smoker himself, but has ripple effects that touch others near him. Smokers with group life insurance, push up insurance premiums for non-smokers.

Fires caused by smokers who fall asleep whilst smoking or are just plain careless with their habit, incur costs. Fires started this way, take the lives of many innocent people and animals every year. Smoking is by far the most common cause of untimely death today.

If this quick fix doesn’t kill you, it will greatly reduce your quality of life and jack-up your life insurance premiums.