4 reasons to get a life insurance policy

The topic of getting life insurance is one you may not want to talk about. But because it is important that you ensure the financial security of people that depend on you, it is worth dealing with.

First, let us break down why you need one.

If you’re a breadwinner, you need a life insurance

Let’s be real, if you are the main financial backbone in your family and anything happens to you, your partner, children and anybody else that depends on you, will probably suffer financially. This is one of the major reasons people get life cover; to ensure a safety net for their loved ones in the face of unforeseen circumstances. With the rising cost of education, you can ensure that your kids will still be able to get the education they deserve should the worst happen.

It is not anticipating bad omen. It is simply facing reality and planning for it.

Got loans?

This is one that you might not have thought about. What becomes of your family if you have taken a loan or got a mortgage and something happens to you and there is no one to pay it off? Proceeds from your life insurance policy can be used to settle these loans ensuring that if the worst happens, your family doesn’t have an additional debt to deal with.

Single but responsible

Now, being single doesn’t mean you don’t have anyone that depends on you financially. It could be an elderly parent, sibling or relative. Having a life cover will make sure that these people you care about will be taken care of regardless of your presence, giving you and them peace of mind.

If you need to take care of future medical expenses

If you can’t predict the future, then you never know what may happen. A life protection plan comes in handy in the event of injuries, accidents or terminal illnesses which may prevent you from working. It saves you and your loved ones from unplanned and expensive medical bills.

While life insurance protects your family in the event of uncertainty, there are also lots of other benefits to getting one. Haven’t already taken out a life insurance? It’s not late.

Get in touch with us today via [email protected] to discuss your options.

A cheat guide to staying fit this Christmas

Christmas

What is Christmas without food and drinks? No wonder some of us come back in January with a resolution to shed those mysterious pounds that somehow snuck in unnoticed.

We have all been there. Oh, the torture! But hey, there’s good news.

Here are ways to curtail any unnecessary weight gain this Christmas without hitting the gym – because honestly, who wants to be at the gym at Christmas?

Eat before going out

Don’t skip meals. Try to eat something before heading out. Doing this helps you avoid the temptation to overindulge yourself or eat a lot.

Drink moderately (and responsibly)

It’s okay to be merry and enjoy a few glasses. But it is best to watch your drinking since alcohol, soft drinks or other juices will only add more calories to the ones you’ve already eaten.

Stay active

It is very hard, almost impossible to find time amidst the activities of the season to exercise. But try to do as much as you can. Little things like simply walking some more, chasing the kids around or using the stairs can burn some calories too. If dancing is your thing, dance like no one is watching. You’ll be having fun and burning some calories too, win-win.

Drink plenty of water

Water can satiate your appetite and keep you hydrated all the time. Plus, it will also help prevent a possible hangover if you go aboveboard with the alcohol.

Order your meals with caution

If you’ll be going to restaurants or ordering your meals, think more of protein and veggies, less of carbohydrates. And don’t forget that salad dressings often pack lots of calories, so order them on the side that you can control how much you’ll be using.

Enjoy yourself

It’s a festive season. So, enjoy the foods and drinks you love but in small/moderate portions and move as much as you can in the ways that you actually enjoy.

This cheat guide can help set you on the right track weight-wise, health-wise and ready for the New year.

But if all else fails, wear black. We hear it’s slimming 😉

Have a Merry Fit Christmas!

Three fun ways to make the midterm break a memorable one for the children

The midterm break is near and school children will soon be home to take a short rest from all academic activities. If you are a parent/guardian, the mid term break provides you with an opportunity to spend some quality time with your child/ward

To help you make this midterm break a memorable one for your child/ward, we have some fun activities that you can engage in together.

Painting:

Most Children love to experiment with colors. Allow your child/ward to express his or her inner creativity by providing him or her with painting and drawing materials. With proper guidance and monitoring, let him/her replicate whatever object around in drawing. Who knows, your child/ward maybe the next Picasso.

Explore a new place together

Children love to explore, they want to leave the four walls of their home to a new place. This midterm break, take your child/ward to a new place he/she hasnt been to before. It could be a Natural Garden, Zoological Garden or an Art Gallery. The experience will broaden his/her knowledge about nature.

Make a Movie Together

Watching a movie might be a typical family event by now. Change things up by making your child or war the star of the production. With the available apps and features on a phone or tablet, making a movie  can be easier than ever. You can let your child/ward act his/her favorite Super Hero and have some memory fun you can always refer too in future.

Tips to Stay Healthy during the rainy season

Tips to Stay Healthy during the rainy season

It feels good when it rains and the atmosphere looks fresh and exciting  As much as the rainy season brings joy and freshness, there is also a healthy impairment of people.

Due to excessive moisture in the rainy season, the biggest fear of the spread of flu, malaria, bacterial, and viral diseases remains. However, there are some tips which help you to stay healthy, away from these diseases in the month of this rain.

1. Wash your hands properly

It is very important to wash hands regularly in the month of rain. We go to many places, meet many people, touch many things.

Someone else may have some infection, and you have contaminated with them, or you may have been sitting on a bench with bacterial or viral infection or someone affected by disease touched that thing. So regularly wash your hands with lukewarm water and soap.

2. Do not touch your face repeatedly

Most bacteria and viruses penetrate our body through the mouth, nose, and eyes, so do not touch your mouth again and again in the rainy season.

Do not wander on your head repeatedly, or turn your hands on the face, keep a napkin or handkerchief with it and use it.

3. How to avoid dirty water

It is normal to see filling gutters and pits with water in the month of rain. Due to the accumulation of water, diseases related to water are generated, such as diarrhea, influenza, cholera, and fungal skin diseases.

Always drink boiled water in the month of rain. Use raincoats and umbrellas as soon as possible. Do not get too wet in water and if possible, use rubber shoes to avoid dirty water.

4. Do not eat outside

If you are afraid of getting the disease, they never think to eat outside. Do not even think of eating food on the road side this month. Those who are fond of eating fast food know that most bacteria and viruses are produced in the month of the rain in hotels and canteen food.

Eat fresh and clean food made in the house as long as possible and stay agile in the month of rain.

 

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#ILoveMyFamily: (Episode 1): Welcome to Our World

#ILoveMyFamily: (Episode 1): Welcome to Our World

My name is Lakunle. I am a husband, a father of two, and a salary earner. I married my wife, Chindima, the most beautiful woman in the world as far as I am concerned, five years ago when I started working.

I met my wife during my National Youth Service Corps year in Enugu and we became best of friends. We had good plans. We shared our life goals and we were ready to take on the world.

My two children, Nifemi and Chinedu, are very special to me. Nifemi is the older of the two. We had her on the day of our 1st wedding anniversary; every 24th of July is always a day full of fun activities in the family.

Nifemi is just like her mother: beautiful and enthusiastic. She has started behaving like a woman at age 4. She now helps in the kitchen and runs errands within the house. She is going to be a responsible woman someday.

Our little boy Chinedu is 2 years old. I love to call him Chinny and he somehow likes it because he usually giggles happily whenever I call him that name. He is one of the most energetic 2 years old boys I have seen.

One of the things I love about my wife is her cooking skills. I am not bragging, my wife is the best cook in the world. Ever since we got married, I can count the number of times I eat out. My friends can testify to the fact that my wife cooks better than anyone else. Whenever they visit, they always look forward to eating our food.

My wife is a salary earner like me. I have always wanted her to own a restaurant so that she can start making money with her talent. Two years ago, when we discussed this, she said she was not ready for it. She said when the time comes, she would let me know. I didn’t mention it again and we seemed to have forgotten about it until recently when she raised it again in the middle of the night.

“Dear, there is something that has been troubling my mind.” She said.

“What is it baby?” I asked curiously.

“Did you remember sometimes ago when you wanted me to open a restaurant? I have been giving it a lot of thought recently. I think it’s high time we had a business of our own.”

I saw her desire and I promised to help her with a business plan. We found out that for us to start a very good restaurant in our neighborhood, we will need nothing less than N3 million. We both agreed that we were not going to borrow the money for it, instead, we would save towards it.

We started looking for a good platform and a friend introduced us to a platform he has been using for a long while: ARM Life Saving Plus He said we were going to get interest at the expiration of our saving tenure, that makes so much sense to us and we didn’t hesitate to start the journey towards realizing our ambitions.

 

Join us for the next episode next week

 

 

 

 

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My uncle’s children

My uncle’s children

My cousin Gerald has visited again. This time, he is staying for one month to buy all the necessities for his first year at the University. Dad would be funding it as usual. I and my five siblings have gotten used to seeing my dad fund his nephews’ education while my uncle did his best to keep populating the world.

My mum wasn’t against dad helping his nephews, but she kept prodding dad to save some money for his own children’s education as well since we were all still quite young. Dad didn’t understand her. He believed that if he gives the best to his brother’s children, his brother or maybe someone else would do the same for him. In truth, I think he never really envisaged that his business would go under before his own kids were grown – he was so sure of this that he asked mum to resign from her government job as a teacher. Unfortunately, the business stopped doing well and thank God mum didn’t resign.

Growing up, I and my siblings lived a life of managing. Dad became a sad version of himself especially when we asked for money for the basic needs as students. It was almost as though we shouldn’t ‘need’ anything. Back in the University, we weren’t the kids that carried the latest phones, or wore the best clothes or even had the required textbooks. We were the kids that made do and never complained.

Mum soon took over the financial reigns as dad’s business completely crumbled. Seeing her struggles fostered some form of discipline in us all to succeed and make her and dad proud. Did my uncle finally help out financially? I wish. He never even looked our way again.

Somehow, we all scraped and managed till today. Today, I own a multimillion naira apparel business alongside my lucrative consulting role in an Oil and Gas firm while my other siblings are doing good in their careers and businesses.

Every day I remember how we all got here. How mum put in her sweat and blood – and how dad miscalculated with his finances and when we were little.

Yes, we all turned out well, but would we have if mum didn’t make all the sacrifice? What if dad had saved for our education like mum persuaded him to? I know a lot of people will say that the struggle made us better people. That is true only because of the upbringing mum gave us and her kind of woman. I’ve seen families that went through what we did, and it shattered their future.

I’ll be a fool to allow the thunder strike twice in the same place. That is why the moment our twins were born four years ago, I got an education plan for them as well as a trust fund. Life has taught me enough lessons, so I know better than to leave anything to chance.

I still take care of needs from extended family but at least I’m at peace knowing my wife and children will never have to struggle through life like I did.

 

 

 

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The jiffy that changes everything

The jiffy that changes everything

It was a day like every other.

I had closed from my office in Victoria Island and made my way to the bus-stop to get a cab home. 5.30pm was the usual rush hour in Lagos so I anticipated the heavy traffic- and grudgingly accepted it too. I didn’t wait too long before I got a cab and my long ride home started.

After several hours of snail-speed movement, we got to ‘Cele Bridge’. My cab driver announced that the road ahead was blocked, and it would take more than the expected time to reach my destination. I knew what he was getting at. Before I could voice it, he spat it out “Oga, you go add something for this money o. No be wetin I expect I dey see again”. As a proper Lagosian, I wouldn’t be caught in that trap, so I opened my eyes wide and put on my most intimidating voice before responding “Which kain talk be that one na? Abeg I will give you what we agreed o.” My retort seemed to work as the discussion ended as quickly as it begun.

When I saw that the traffic wasn’t moving, I reckoned that since my house was barely 10 minutes away I could as well alight and pick a bike home. I had done it before, so no big deal.

One minute later, I was out of the cab and about to cross the road to hail a bike when I remembered that my son had been haunting me since last night for his birthday gift. I went instead into an electronic store located beside the bridge to get him the PSP game he had always wanted. I could already hear his excited squeal and I see him doing his signature happy dance.

“Bike!” I shouted, a young bike rider stopped. I told him my home address, we agreed on the price and I hopped on. As he made his way, I thought of my little Sophie who was still down with cold and my wife’s text message earlier that day telling me to buy her drugs while coming home. I quickly told the bike rider to stop at Heavenly Pharmacy just down the road…

Suddenly a boy standing by the road ran right in the middle in a bid to make it across. I heard screams from passersby – and screeching of car tyres.  A failed brake system soon launched the bike rider and myself into mid-air. It all happened in a jiffy!

I landed on my back but a sharp pain in my leg begged for immediate scrutiny. I came to quickly and looked down fearing the worst, but it wasn’t as bad as I suspected. Call it grace or luck, but it would have been another story if I wasn’t wearing a good helmet. My bike rider wasn’t as lucky.

The bike was on him and I suspected his leg was crushed from the way he screamed uncontrollably. One look at him and my fears were confirmed. The onlookers who had come to assist soon got to work removing the bike on his leg. I got up and looked around for my things, gathering them with shaky hands as I made to walk away- but the ‘Good Samaritans’ wouldn’t have it.

They tried to hold me insisting that I may have internal bleeding, but I declared that I was fine. I needed to leave that scene. I was too disturbed to stick around. They let me go. I stepped away from the ruin and tried to walk. One step after the other, I walked steadily with some blood oozing from my wounds till I reached the pharmacy which was already very near. While Oga Chidi dressed my wound, I thought of what would have been if that accident had turned out another way.

Blood stains covered the PSP game I bought for my son. As I took cotton-wool soaked in water and cleaned off every red blotch, I imagined how everything would have changed for my family in just a jiffy.

I was lucky…too lucky. For many, that moment could mean that they remain bedridden for the rest of their lives. For others like Mrs. Abimbola Olamuyiwa and her family, such an instant changed everything. Watch her story here.

As I limped home, my eyes swelled with tears as I hugged my boy’s game, my laptop bag and Sophie’s drugs. I had been given another chance at life, at love, at hope. A chance that many are not opportune to have.

That jiffy of a second could have been fatal changing everything for my wife Blessing and our two children.

 

This article is brought to you by ARM LIFE.

 

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Source: Articles

Six changes you should consider making in 2018

Six changes you should consider making in 2018

Please don’t call it New Year Resolutions – because that tag seems to have been jinxed with many never being able to achieve their resolutions. Instead call it your 2018 commitment to self. How about that?

Commit to making these six changes in 2018 for a better year:

Be more positive

There is so much negativity everywhere, but when you choose to see the positive in every situation, you’ll be shocked how your life seems filled with joy and happiness. Be intentional about your state of mind and what you dwell on in 2018.

Be realistic

Don’t allow yourself to live in a fool’s paradise. Realize that life is filled with good and bad. Choose to dwell on thoughts of the good but be realistic enough to make plans in case the scales tip and a little bit of bad happens.

Save and invest more

When there is a will, there is always a way. You can still earn the same amount and save a little more. It starts with a decision and a commitment to make it happen. A direct debit mandate can help you further stick firmly to that decision so that you don’t have to worry about forgetting to put aside that money. Let the future you envision for yourself and your loved ones be the motivation to save and invest more in 2018.

Love more

Have you noticed how emotionally liberating it is when you love more instead of hating? Life becomes more promising, people become more fun to stay around and your heart becomes lighter just by giving a lot more love.

Fight more

Giving up is the easiest thing in the world to do. How many times have you found yourself giving up on people, dreams, and goals in the past? In 2018, dare to fight more. Don’t let the fear of failing stop you. Let the fear of not trying fuel your fire.

Live more

You only live once, and you may as well make your life a masterpiece. Give your children the best education, live in the house of your dreams, invest in the dreams you care about, take vacations to destinations you love and enjoy life the best way possible.

Bottom-line: You can live life on your terms and make sure those you care about have a better lifestyle because of you. But you need a plan to make this possible. Now is the perfect time to draw up your blueprint for 2018.

 

Let us help you choose a plan for your 2018. Send us an email at [email protected] or call 0700 CALL ARM for immediate assistance.

 

The post Six changes you should consider making in 2018 appeared first on Realising Ambitions.

Source: Articles

Your phone or your life?

How long can you stay without your phone?

If you answered honestly, probably not too long. For many of us, our phones have become our besties. A day without our phones feel like something important is missing.

If you lost your phone today without any sort of backup to the contacts you have or the files you saved in it, it would feel like starting life again with a new phone. Not only will you be spending extra, you may never recover your lost files.

This is why it is normal to see a lot more people backup their files just in case their phones get missing or gets damaged. Some others even insure their expensive phones to avoid stories that touch.

There is so much fuss about phones that people go as far as stealing just to ‘belong’ to the class of smartphone owners.

If phones are this important and we do so much to protect not just the phone, but the files and contacts we have in it; how much more should we be protecting life for those we love?

You fear losing communication with all your phone contacts, don’t you fear how life may change for those you love if they lose you?

You can’t imagine starting all over again getting all the files you lose when your phone is lost or dies, shouldn’t you be more afraid of the people that depend on you starting all over again if God forbid something happens to you?

You never leave your house everyday expecting a thief to steal your phone or for your phone to crash. It’s almost always an accident that claims your phone. This same accident lurks not just around phones, but around lives too.

Accidents happen every day on the roads, in the hospitals, even inside the house. If like your phone, your life unfortunately meets with tragedy, will those you love who depend on you feel lost completely?

Will they have a backup to cushion them financially? Will your children, spouse, parents or siblings (who still depend on you) have the lifestyle they currently do?

The key question is: your phone or your life? You know the answer.

 

Get a Life insurance backup for those you love today. Reach us on 0700 CALL ARM or email [email protected] to discuss options we have available for you.

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Source: Blog

It ends this November!

I’ve followed ARM on Facebook for some time now, thanks to my wife. Every month, they post something (meme or article) about ‘payday’ that taunts me to no end.

It’s almost as if they are looking me in the eye and speaking to my very soul. I am constantly made to evaluate my choices especially regarding saving and investing…which really isn’t a bad thing.

I have been bad at managing my salary and the small change that comes in from my side hustle. As a husband and father to two lovely children, I spend every dime that comes into my account on life’s necessities. My wife is the one with the saving mentality. Every month, she makes it a point to tag me on financial freedom quotes.

I read them and sneer: “This woman will not understand. How does she want me to save with all these responsibilities weighing me down?”

I always have excuses despite her support financially. But the recent article I read stuck with me doing strange things to my mindset. My take-away from that article was this: Will my wife and children have the life they do now, if God forbid something happens to me?

Not that I want to die o, God forbid. But the reality is that death does not take permission before visiting anyone.

This November, as I count the days to the grrrring sound of my salary alert and the payment from my side hustle, my plan is crystal clear. No major flexing this Christmas o… Something light can still work for us all.

I’m done procrastinating and feeling guilty with every ‘payday’ post I see on Facebook. I need to take action now.

———-

Ready to join me in making the best move for your family today? Explore policy options here today.

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Source: Blog