This blog has been created to help and assist clients in making the correct choice when choosing an insurance product. This blog also provides free advise for all clients. Gerhard De Villiers-Mohr who is the administrator of this blog and who responds to the comments has over 13 years experience in the financial services industry. Insurance companies and brokers over the years have developed their products in such a way that it would suite any clients needs, however these needs I have found is no more longer fulfilled. You need expert advice who charges nothing in order to make sure you get un-biased advice.