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EDAS consult, Accra (2026)

26/02/2019

Today our senior consultant is here to answer all kind of questions

04/01/2019

5 Essential Tips for Buying Life Insurance

Tips for first time life insurance shoppers
When it comes to buying life insurance to protect your family, you have a lot of choices to make. Everything from selecting the right amount of coverage to choosing a reputable life insurance company to buy your policy from can make the process feel overwhelming. The good news is that once you get started, you may discover that the process of buying life insurance really isn't that complicated.

If you're a first time life insurance shopper, a good place to start is by getting a rough estimate of how much life insurance you should be purchasing to protect your family. For a quick and easy way to calculate your needs, try using Protective Life's Needs Calculator. Next, get an understanding of the difference between term and permanent* life insurance so you'll have a good sense of what direction you should take when it comes to these two basic policy types. You can read more about term and permanent life insurance in our article, Term vs Permanent Life: What to Consider.

Finally, before you go shopping for your first life insurance policy, here are a few “good to know” tips for finding the right policy at an affordable price:

If necessary, take advantage of the “free look” period.
Even after your policy issues, you'll typically have what is called a free look period. During this time, you'll have a certain number of days in which to make changes to your policy, or even reject it altogether. Be sure to ask your company representative how long your free look period is and when it begins. If for some reason you don't feel the policy is right for you, this is the time when you can change your mind with no financial obligation. Read more about the free look period.
Compare apples to apples.
When getting price quotes on life insurance, be sure that you are comparing similar products. Because term life generally has lower premiums than a permanent life policy, there can be a big price difference for a Ghc50,000 term policy compared to a GHc50,000 permanent policy. Depending on your coverage needs, it's important to look at every angle, not just the monthly premium.
Understand that life insurance is designed for protection.
Your main purpose for getting life insurance should be to protect your beneficiaries financially in the event of your death. While permanent life insurance policies have the potential to earn cash value over time, they are not meant as investment vehicles.
Enhance your coverage with policy riders if necessary.
When you select a policy, ask your company representative about the types of policy riders that may be available to you. Riders or endorsements are ways in which you can customize your policy to meet your needs and budget.
Buy from a reputable life insurance company.
Your life insurance policy is meant to financially protect the people you love when you are no longer here to do so yourself. Do some homework on the life insurance company that you are considering buying from and learn more about how to select a reliable life insurance company.

30/12/2018

FREE TIPS BY OUR SNR CONSULTANCY

If your parents have been managing your credit all along, suddenly having to deal with credit balances, credit scores, and credit reports might prove to be a bit of a shocker. And then there are the payments to consider. Credit management takes a sharp turn toward the serious when you become an adult and it can all be quite overwhelming. Here are some tips on how you can manage your credit more effectively, and keep credit problems from getting the better of you. Read on.

Obtain a copy of your credit report
You will likely want to review your credit standing when you are planning to make a major purchase, but you should obtain a copy of your credit reportk at least once a year. This will clearly show how you stand with regard to your credit and how much you owe. Ideally, you will want to obtain credit reports from more than one credit reporting firm.

Find out your credit score
Based on your credit reports, you will be given a credit score or rating. This will reflect your viability to receive further credit. Higher scores generally indicate lower risk, but keep in mind that there a number of different ways by which credit scores are assessed and assigned. Your credit card company should be able to provide you a credit score along with your credit report.

Maintain consistency in identification
From the start, make sure you provide complete and accurate identification information. This establishes a proper credit history, with much less risk of your account being linked to a wrong report. Maintaining consistency with regard to your identification will also ensure the completeness of your file.

Draw up a budget and stick to it
Credit isn’t free money; it is the privilege to use money that you will later have to pay for, with interest. To make sure you don’t go overboard, set up a budget and stick to it. It can be tempting to use your credit to get a bunch of cool stuff or to do some fun things, but always keep the function and the rationale for credit in mind.

Use just enough credit to establish your viability
Not using your credit can be just as detrimental as overusing it. You should place at least a few purchases a month on credit in order to establish a history of activities using your credit cards. This will give creditors a good idea of how you can manage payments and your account in general.

Avoid missing payments
You should avoid missing payments as much as possible. Furthermore, when you do make your payments, make sure to hand them in on or before the required date. Consistently late payments are a red flag for creditors, as they often indicate frequent late payments in the future, and perhaps even an inability to pay.

Maintain a variety of credit types
Maintaining a number of different types will prove your ability to handle most credit card scenarios. This can help improve your financial ‘image’ with both existing and potential creditors.

29/12/2018

Credit Management Tips and Advice

Tips:

Set your financial goals first and then plan your big purchases ahead of time.
Figure out if you can really afford it BEFORE you buy it.
Don’t buy it and then worry about how you’ll pay for it later.
Track your credit expenses and spending habits.
Rubber band a piece of paper around your credit cards. Write down the amount you charge every time you use the card and total the balance.
Plan your credit expenses into your budget so you can afford to pay off the bill in full every month.
Keep your eyes on your credit account terms. Don’t use credit cards with really high interest rates. It’s not worth it.
Know your interest rates, due dates, late fee amounts and over the limit fees.
If you’re not able to pay the balance in full, pay more than the minimum payment. Even if it’s only $10 or $20 more than the minimum payment. It will make a difference.
Pay attention to any annual fees you may have.
Pay your bills on time to avoid late fees. If you bank online, set up automatic payments or reminders so you never forget a due date.
Only charge disposable items if you will pay the bill in full every month. For example: gas, groceries, toiletries, take out, etc.
Look at your credit report several times a year. If there is an error, make sure you report it to the major credit bureaus.
There is no “quick fix” when it comes to rebuilding credit. This is a process that takes time, effort and discipline. Avoid people and companies who tell you that they can help you rebuild your credit in a short amount of time. It can take up to two years to rebuild your credit to a point that you are not denied a major credit card. It can be even longer than that to be able to qualify for a mortgage with a competitive interest rate.

If you follow this advice then you are on the right path to rebuilding your credit history and making sure it stays in good standing for the future. It will take some time and you must be patient. If you are in debt now and need help with your personal finances, give Advantage CCS a call today. Our certified credit counselors are here to help you.

28/12/2018

CHILD EDUCATION PLAN
AFFORDABLE CHILD EDUCATION INSURANCE COVER

Contact us now for a brighter future of you child.
0242264672
[email protected]

28/12/2018

Group Funeral Plan

The objective of this plan is to insure the obligations of the employer in the unlikely event of an employee's death.

Most conditions of employment as well as tradition require and impose financial obligations on the employer in the event of an employee's death. This includes provision of coffin, donation to family, transport arrangement and refreshment for other staff members. This obligation can be insured under the Group Funeral Plan.

BENEFITS
The plan provides for the payment of funeral and related expenses on behalf of the employer in the event of an employee's death.

The benefits can be extended to cover parents, spouses and children.

Benefits levels shall be objectively determined to reflect the expected financial obligation of the employer.

PREMIUMS
Premiums are relatively low and depend on the average age of the group and number of employees to be covered.

UNDERWRITING REQUIREMENT
Medical examinations shall not be required.

RIDERS:
These are top ups that one can take in addition to the main policy one of which is the Personal Accident.

Personal accident:
Personal Accident has three main components. These are

Permanent Disability Cover: This seeks to provide the payment of a lump sum in the event of a covered member being permanently disabled as a result of an accident. The extent of the incapacitation is determined by a medical doctor and thus the payment is made on a pre-determined agreed scale of incapacitation.
Temporary Disability Cover: This also seeks to provide the payment of a weekly benefit up to a maximum of 52 weeks as a result of temporary disablement resulting from an accident. The maximum weekly benefit payable is the actual income of the person before the incapacitation.
Medical Expenses Cover: This provides cover for medical expenses arising out of an accident up to a maximum pre-determined figure.

28/12/2018

CHILD EDUCATION PLAN
AFFORDABLE CHILD EDUCATION INSURANCE COVER

OVERVIEWS FEATURES & BENEFITS
Affordable Child Education Insurance Cover
If you hope to have a successful future for your child, then Child Education Plan has a good education plan for you today.

What do you hope for? That one day you would be able to afford the kind of education that improves your life? That, if you have children, they will enjoy the benefits of studying? You know that a good education is a vital stepping stone to a solid career. However, access to further education and skills has become very expensive. Start with what you hope for and plan from the beginning to make sure you can make your dreams come true.

We all have dreams of success, achievement and happiness. A good education equips one in life and at work and also helps one to lead a fulfilled life. And, as a parent, one of your most important responsibilities would be to ensure that your children attain the skills and knowledge they need in order to make a good life for themselves.

If you hope to have a successful future for your child, then Child Education Plan has a good education plan for you today. What do you hope for? That one day you would be able to afford the kind of education that improves your life? That, if you have children, they will enjoy the benefits of studying? You know that a good education is a vital stepping stone to a solid career. However, access to further education and skills has become very expensive. Start with what you hope for and plan from the beginning to make sure you can make your dreams come true.

Child Education Assurance Plan offers you complete financial solution to fund the education of your child(ren) through the various stages of education even in the unfortunate eventuality of death or permanent disability.

FOR MORE ENQUIRIES CONTACT US ON 0242264672

27/12/2018

1. Prospect for clients
2. Identify market opportunities and provide solutions
3. Handle clients enquiries and complaints with professionalism
4. Planning marketing activities
5. Meet monthly target

EDAS consult

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Monday	07:00 - 17:00
Tuesday	07:00 - 17:00
Wednesday	07:00 - 17:00
Thursday	07:00 - 17:00
Friday	07:00 - 17:00
Saturday	00:00 - 17:00