George Kolbe, Head of Life Insurance Marketing and Enablement at Momentum Life Insurance

For many, the festive season is a blur of planning: booking flights or road trips, wrapping gifts, finalising accommodation, and preparing for an increase in social activity. The focus is rightly on creating beautiful and joyful memories. But as South Africans prepare to hit the road and pause their routines, there’s an important issue that should not be overlooked: securing their family’s long-term financial security.

During the holidays, we often invest hundreds, if not thousands, of rands in thoughtful gifts and enriching travel experiences. These traditions bring immediate happiness and create cherished memories. Yet, these wonderful acts of generosity should be accompanied by a more lasting gift.

Life insurance is the ultimate long-term gesture. It’s a commitment that ensures the life, home, education, and future stability of your loved ones will be protected, regardless of unforeseen events. It is an act of deep, selfless care.

The seasonal risk

The festive season, while restorative, brings heightened risks. Increased travel on busy roads, participation in more high-risk activities, and general distraction mean the unexpected is statistically more likely. Ironically, the very time we are most absorbed in joy is also the time when our financial preparedness needs to be strongest.

Life cover should not be seen as a morbid necessity but as a proactive, non-negotiable step. It ensures that, should the unforeseen occur, your legacy is not defined by debt or financial struggle, but by lasting financial confidence for your dependents.

The greatest gift

Securing life cover is about much more than a payout; it is about building a lasting legacy. It provides the funds required to replace your income, settle outstanding debt (such as a bond or car loan), and cover immediate expenses. This allows your family, in their most vulnerable moment, to focus on healing rather than facing crippling financial pressure.

Life insurance ensures your children’s education continues, your family maintains their standard of living, and the foundation you have worked so hard to build remains intact. It is the ultimate expression of responsibility and care.

Taking action before the rush

Now is the ideal moment for end-of-year action. Take a few minutes to review your current cover or take out new or additional cover before the holiday rush begins and before you embark on seasonal travel. Far more than ticking a box, this is a practical step that immediately reduces risk and offers peace of mind that your family’s financial future is secured.

Don’t delay. Give the gift that truly lasts. Speak to an accredit financial adviser today.