https://nfosa.co.za/consumers-need-to-take-urgent-action-to-protect-their-financial-future/ 2023-12-13T06:18:27+00:00 https://nfosa.co.za/wp-content/uploads/2023/11/NFO-Ombudsman-Scheme-Case-Studies.jpg https://nfosa.co.za/how-mismatched-profiles-can-impact-your-ability-to-access-credit/ 2023-12-13T06:18:38+00:00 https://nfosa.co.za/wp-content/uploads/2023/11/NFO-Ombudsman-Scheme-Staff-Member.jpg https://nfosa.co.za/a-social-media-post/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/how-mismatched-profiles-can-impact-your-ability-to-access-credit-2/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/incorrect-credit-information-emolument-attachment-orders-drive-5014-increase-in-complaints-and-enquiries-to-credit-ombud-in-2014/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/nicky-lala-mohan-appointed-as-new-credit-ombud/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/consumers-need-to-take-urgent-action-to-protect-their-financial-future-2/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/spring-spending-could-lead-to-trouble/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/dont-fall-into-the-festive-season-spending-trap/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/expert-opinion/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/consumer-education/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/at-a-glance/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/debt-counselling/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/non-bank-credit-department/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/note-from-the-ombud/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/consumer-education-2/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/expert-opinion-2/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/credit-information-department/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/expert-opinion-3/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/expert-opinion-4/ 2024-02-28T06:22:39+00:00 https://nfosa.co.za/consumer-education-3/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/debt-counselling-department/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/note-from-the-ombud-2/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/non-bank-credit-department-2/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/credit-information-department-2/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/consumer-education-4/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/expert-opinion-5/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/debt-counselling-department-2/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/non-bank-credit-department-3/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/credit-information-department-3/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/note-from-the-ombud-3/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/note-from-the-ombud-4/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/expert-opinion-6/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/at-a-glance-consumer-education/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/debt-counselling-department-3/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/non-bank-credit-department-4/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/credit-information-department-4/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/at-a-glance-consumer-education-2/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/non-bank-credit-department-5/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/credit-information-department-5/ 2024-02-28T06:22:43+00:00 https://nfosa.co.za/expert-opinion-7/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/note-from-the-ombud-5/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/non-bank-credit-department-6/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/credit-information-department-6/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/at-a-glance-consumer-education-3/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/note-from-the-ombud-6/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/expert-opinion-8/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/consumer-education-5/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/credit-information-department-7/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/non-bank-credit-department-7/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/note-from-the-ombud-7/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/credit-information-department-8/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/non-bank-credit-department-8/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/consumer-education-6/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/expert-opinion-9/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/note-from-the-ombud-8/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/up-close-and-personal-with-nicky-lala-mohan/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/consumer-education-7/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/case-management-department/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/note-from-the-ombud-9/ 2024-02-28T06:22:47+00:00 https://nfosa.co.za/case-management-department-2/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/consumer-education-8/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/manie-foreword/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/the-credit-ombud-goes-the-extra-mile/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/one-number-for-the-consumers-benefit/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/credit-repairs-beware/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/dont-fall-into-credit-agreement-trap/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/consumers-must-ensure-their-credit-bureau-records-are-updated-prior-to-applying-for-credit/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/dont-let-the-festive-cheer-blind-you-when-it-comes-to-credit-agreements/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/garnishee-orders-use-your-bonus-to-free-up-your-salary-in-2012/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/not-coping-with-your-debts-heres-how-you-can-stay-afloat-and-not-lose-your-possessions/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/credit-ombud-puts-back-millions-into-the-pockets-of-consumers/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/good-credit-record-beware-of-impersonators-using-your-details-to-commit-fraud/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/credit-ombud-annual-report-shows-increased-number-of-complaints-from-credit-consumers/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/small-default-amounts-can-grow-into-big-debts-when-ignored/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/dont-know-where-to-go-for-help-financial-complaints-helpline-is-there-to-assist/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/summit-to-discuss-over-indebtedness-in-south-africa/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/debt-counselling-terminations-know-your-options/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/youths-credit-life-over-before-it-begins/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/credit-ombud-annual-results-show-a-14-increase-in-credit-provider-disputes/ 2024-02-28T06:22:52+00:00 https://nfosa.co.za/more-women-exercising-their-rights-to-redress-in-credit-industry/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/christmas-is-coming-and-so-is-a-credit-amnesty-for-consumers/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/dont-let-your-xmas-shopping-spree-result-in-a-garnishee-in-2014/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/you-break-it-you-buy-it-dont-be-bullied-by-unlawful-practices-this-festive-season/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/sending-your-child-off-to-college-or-varsity-fund-it-wisely/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/your-credit-bureau-record-can-ruin-your-chances-of-securing-a-job/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/the-real-truth-about-credit-amnesty/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/how-consumers-have-thus-far-benefited-from-the-removal-of-adverse-credit-information/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/credit-ombud-annual-report-results-show-how-youth-benefit-from-its-free-services/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/women-taking-bold-steps-in-addressing-their-credit-woes/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/dont-take-the-first-step-to-being-garnisheedbeware-of-that-festive-season-expenditure/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/unfairly-listed-with-a-credit-bureau-speak-up/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/closing-loopholes-in-the-debt-counselling-process/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/be-aware-of-hidden-costs-of-credit-agreements/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/dont-give-up-disputing-your-credit-bureau-information/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/consumers-need-to-have-their-wits-about-them-when-nearing-the-end-of-an-admin-order/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/who-are-you-borrowing-from-this-janu-worry/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/romance-and-finances-till-debt-do-us-part/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/are-you-exercising-your-credit-rights/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/credit-ombud-saves-millions-of-rands-for-consumers/ 2024-02-28T06:22:55+00:00 https://nfosa.co.za/todays-slave-workers-are-not-in-chains-they-are-in-debt/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/is-the-next-generation-set-up-for-debilitating-debt-disaster/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/saving-myth-or-reality-where-do-you-begin-saving-when-you-are-over-indebted/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/debt-free-girls-are-the-prettiest-a-z-tips-for-women-on-finances-and-credit/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/when-debt-has-an-expiry-date/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/are-you-having-a-consumer-dispute-know-the-right-ombudsman-to-approach/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/unlawful-garnishee-orders-still-rule-the-roost/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/online-vs-physical-retail-shopping-which-is-cheaper-in-south-africa/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/consumers-missing-out-on-benefits-of-credit-insurance/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/opinion-twin-peaks-shrouded-in-mist-for-advisers/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/prescription-of-debt-what-you-should-know/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/reading-the-fine-print-on-your-policy-prevents-surprises/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/internet-banking-tops-ombusman-complaints/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/online-banking-complaints-top-ombuds-case-load/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/pic-behind-new-black-owned-insurtech-yalu-set-to-launch-first-product-in-june/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/img/icons/auth_twit.png https://nfosa.co.za/world-consumer-rights-day/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/egg-cellent-ways-to-remain-in-control-of-your-finances-during-the-easter-season/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/the-hangover-month/ 2024-02-28T06:22:59+00:00 https://nfosa.co.za/watch-out-for-black-friday-blacklist/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/bittersweet-festive-responsible-splurging/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/statement-of-account/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/the-credit-ombud-in-the-business-of-restoring-broken-relationships/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/know-your-rights-understand-your-responsibilities/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/getting-your-finances-under-lockdown/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/pay-day-surprises/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/credit-ombud-annual-report-2019/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/even-in-over-indebtedness-there-is-hope/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/prescribed-debt/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/advertisement-for-position-of-credit-ombudsman/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/financial-and-mental-wellbeing/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/black-friday-2020/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/burn-that-excess-debt-its-time-to-detox-and-declutter/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/unemployed-with-debt-its-not-the-end-for-you/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/howard-gabriels-appointed-as-the-credit-ombud/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/the-ncr-and-the-credit-ombud-rowing-together-in-the-same-boat/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/the-freedom-is-there-make-use-of-it/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/advertisement-for-position-of-credit-ombudsman-2/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/taking-preventative-measures-to-avoid-being-overindebted/ 2024-02-28T06:23:04+00:00 https://nfosa.co.za/consumers-do-not-have-to-apply-for-credit-to-check-their-credit-report/ 2024-02-28T06:23:09+00:00 https://nfosa.co.za/in-these-trying-times-the-credit-ombud-continues-to-save-money-for-consumers-credit-ombud-annual-report/ 2024-02-28T06:23:09+00:00 https://nfosa.co.za/the-credit-ombud-brings-hope-to-consumers-and-credit-providers/ 2024-02-28T06:23:09+00:00 https://nfosa.co.za/going-back-to-our-roots-our-heritage-with-money/ 2024-02-28T06:23:09+00:00 https://nfosa.co.za/tribute-to-judge-steyn/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/ombudsman-receives-record-number-of-complaints-in-2012/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/ombudsman-publishes-insurer-complaints-data/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2010/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2011/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2009/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2008/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2013/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2014/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/complaints-data-2012/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/complaints-data-2013/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/complaints-data-2014/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/1-life-direct-complaint-data-2012/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/aids-hiv/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2012/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2007/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2006/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2005/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2004/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/annual-report-2003/ 2024-02-28T07:03:25+00:00 https://nfosa.co.za/asisa-underwriting-and-claims-conference-feb-2015/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/address-to-the-pension-lawyers-association-september-2008/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/ombudsman-seminar-workshop-for-insurers-on-ombudsmans-process-for-claims/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/occupational-disability-clauses/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/the-vice-in-advice-7-august-2006/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/on-the-payment-of-premiums-and-the-lapsing-of-long-term-insurance-policies/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/funeral-insurance-a-perception-from-the-office-of-the-ombudsman-for-long-term-insurance/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/confidentiality-19-21-september-2005/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/fraud-and-fraudulent-non-disclosure-and-more-general-non-disclosure-issues-28-31-august-2006/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/the-lapsing-of-policies/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/an-industry-under-siege-18-november-2005/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/imputation-of-an-insurers-knowledge-to-an-insurer/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/misrepresentation-and-misselling-1-september-2005/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/3-contributions-on-disability-published-in-fa-news-august-2005/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/misselling-a-working-model-25-march-2005/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/rescission-divisibility-and-the-refund-of-premiums/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/insurable-interest/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/some-problems-involving-security-cessions-of-life-insurance-policies/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/disability-workshop-29-october-2004/ 2024-02-28T07:03:30+00:00 https://nfosa.co.za/the-discontented-policyholder-26-august-2004/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/reasonableness-and-the-ombudsmans-claims-assessment-27-may-2004/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/independent-review-of-ombudsmans-office/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/independent-review-of-the-office-of-the-ombudsman-for-long-term-insurance-2015/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/the-oltis-response-to-the-review-recommendations/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2009/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2010/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2011/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2012/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2013/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2014/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/final-determinations-2015/ 2024-02-28T07:03:37+00:00 https://nfosa.co.za/appeals/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/back-to-back-contracts/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/black-hole-policies/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/buy-and-sell-arrangements/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/capital-gains-tax/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/cession/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/code-on-complaints-resolution/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/commencement-of-policy-and-or-risk/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/confidentially/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/constitution/ 2024-02-28T07:03:43+00:00 https://nfosa.co.za/cooling-off-period/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/damages/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/deferred-compensation-schemes/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/disability/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/education-and-publicity/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/electronic-contracting/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/endownments/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/estoppel/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/f-s-b/ 2024-02-28T07:03:50+00:00 https://nfosa.co.za/fais-ombud/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/fraud/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/fsos-act/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/good-faith/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/group-schemes/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/guarantees/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/health-insurance/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/hearings/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/imputation-of-knowledge/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/insolvency/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/internal-ombudsman/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/invalidity-of-policy/ 2024-02-28T07:03:57+00:00 https://nfosa.co.za/investment-policies/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/keyman-policies/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/legal-practitioners/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/linked-products/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/loa/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/long-term-insurance-act/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/marketing/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/matrimonial-property-act/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/mediation/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/medical/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/minors/ 2024-02-28T07:04:06+00:00 https://nfosa.co.za/mitigation-of-loss/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/mortgage-insurance/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/negligence/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/new-products/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/non-disclosure/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/offer/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/ombudsmans-committee/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/ombudsmans-council/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/onus-of-proof/ 2024-02-28T07:04:13+00:00 https://nfosa.co.za/pension-funds/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/performance/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/procedural-matters/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/refund-of-premiums/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/remedies-and-relief/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/retirement-annuities/ 2024-02-28T07:04:21+00:00 https://nfosa.co.za/review/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/rules-of-the-ombudsman/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/snatching-at-the-bargain/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/statistics/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/tax/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/termination-of-contract/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/transfer-of-policies/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/trusts/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/underwriting/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/universal-life-policies/ 2024-02-28T07:04:30+00:00 https://nfosa.co.za/waiver/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/warranties/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/complaints-data-2015/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/alexander-forbes-life-ltd/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/our-latest-newsletter-ombuzz-issue-33/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/2015-annual-report-release/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/ombudsman-publishes-insurer-complaints-data-for-2015/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/2014-second-reminders/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/2015-second-reminders/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/annual-report-2015/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/ombudsman-helps-consumers-recover-r184-4m-from-long-term-insurers/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/press-release-presentation-2015/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/complaints-data-2015-now-published/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/annual-report-2015-now-published/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/swiss-re-webinar-complaints-handling/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/final-determinations-2016/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/final-determinations-2017/ 2024-02-28T07:04:39+00:00 https://nfosa.co.za/complaints-data-2016/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/annual-report-2016/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/2016-second-reminders/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/annual-report-2016-now-published/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/2016-second-reminders-2/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/complaints-data-2016-now-published/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/eddie-de-beer/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/presentation-at-rgas-legal-breakfast/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/cikizwa-nkuhlu/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/practice-notes/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/final-determinations-2018/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/complaints-data-2017/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/annual-report-2017/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/annual-report-2017-now-published/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/2017-second-reminders/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/2017-second-reminders-2/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/paia-documents/ 2024-02-28T07:04:45+00:00 https://nfosa.co.za/disability-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/annuity/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/conclusion-of-contract-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/exclusions/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/delay-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/funeral/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/imputation-of-knowledge-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/jurisdiction-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/misrepresentation-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/miselling/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/non-disclosure-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/onus-of-proof-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/refund-of-premiums-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/rescission-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/values-2/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/conclusion-of-contract-3/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/ra-policy/ 2024-02-28T07:07:12+00:00 https://nfosa.co.za/deduction-of-penalty/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/costs-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/exceptions-exclusions/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/transfer-of-funds/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/disability-3/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/interest-on-late-payment/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/investment/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/misrepresentation-3/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/misleading/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/mistake-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/loans-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/health/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/final-determinations-2019/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/final-determinations-2019-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/2018-second-reminders/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/annual-report-2018/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/complaints-data-2018/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/complaints-data-2018-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/annual-report-2018-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/2018-second-reminders-2/ 2024-02-28T07:07:16+00:00 https://nfosa.co.za/media-statement/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/joint-ombudsman-for-the-office-of-the-ombudsman-for-long-term-insurance-and-the-office-of-the-ombudsman-for-short-term-insurance/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/a-new-gateway-for-insurance-complaints/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/annual-report-2019/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/annual-report-2019-2/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/complaints-data-2019/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/complaints-data-2019-2/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/final-determinations-2020/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/ombuzz-issue-44/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/ombuzz-issue-45-now-released/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/2019-second-reminders/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/ombuzz-issue-45/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/complaints-data-2019-3/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/annual-report-2020/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/complaints-data-2020/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/complaints-data-2020-2/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/annual-report-2020-2/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/2020-second-reminders/ 2024-02-28T07:07:21+00:00 https://nfosa.co.za/ombuzz-issue-46/ 2024-02-28T07:07:25+00:00 https://nfosa.co.za/cr26-funeral-insurance-dubious-claims-2/ 2024-02-28T07:07:25+00:00 https://nfosa.co.za/ombuzz-issue-47-now-released/ 2024-02-28T07:07:25+00:00 https://nfosa.co.za/final-determinations-2021/ 2024-02-28T07:07:25+00:00 https://nfosa.co.za/final-determination-2021/ 2024-02-28T07:07:25+00:00 https://nfosa.co.za/complaints-data-2021/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/complaints-data-2021-2/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/2021-second-reminders-2/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/ombuzz-issue-48-now-released/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/retired-judge-margie-victor-is-the-new-insurance-ombudsman/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/ombuzz-issue-49-now-released/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/final-determinations-2022/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/final-determinations-2022-2/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/complaints-data-2022/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/complaints-data-2022-2/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/final-determinations-2023/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/final-determinations-2023-2/ 2024-02-28T07:07:31+00:00 https://nfosa.co.za/cr121-abusive-behaviour-invoking-rule-3-3-2/ 2024-04-17T07:55:21+00:00 https://nfosa.co.za/cr389-compulsory-life-annuity-commutation-of-monthly-income-payments/ 2024-04-17T07:55:51+00:00 https://nfosa.co.za/cr211-annuities-complainants-alleging-that-pension-increases-were-inadequate/ 2024-04-17T07:57:12+00:00 https://nfosa.co.za/cr212-annuities-complainant-contending-that-his-pension-increase-was-inadequate/ 2024-04-17T07:57:33+00:00 https://nfosa.co.za/cr172-annuity-time-for-determination-of-the-amount-at-time-of-death-or-claim-procedure-rule-3-4-1/ 2024-04-17T07:57:52+00:00 https://nfosa.co.za/cr173-annuity-purchased-with-no-escalation-option/ 2024-04-17T07:58:14+00:00 https://nfosa.co.za/cr118-retirement-annuity-policy-surrender-of-policy-on-basis-of-incorrect-quotation-of-surrender-value/ 2024-04-17T07:58:29+00:00 https://nfosa.co.za/cr122-annuity-complainant-claiming-annual-increase-in-annuity-payments/ 2024-04-17T07:58:49+00:00 https://nfosa.co.za/cr53-annuity-lump-sum-of-some-r400-000-invested/ 2024-04-17T07:59:06+00:00 https://nfosa.co.za/cr54-pensioner-offered-option-to-purchase-an-annuity/ 2024-04-17T07:59:22+00:00 https://nfosa.co.za/cr7-annuity-non-disclosure-by-insurer-at-point-of-sale-of-the-extent-of-charges/ 2024-04-17T07:59:39+00:00 https://nfosa.co.za/cr60-contract-amendment-of-terms/ 2024-04-17T08:00:10+00:00 https://nfosa.co.za/cr171-advice-intermediary-intermediarys-obligation-if-any-to-furnish-advice/ 2024-04-17T08:00:36+00:00 https://nfosa.co.za/cr298-beneficiary-nomination-insured-married-in-community-of-property/ 2024-04-17T08:01:20+00:00 https://nfosa.co.za/cr236-beneficiary-nomination/ 2024-04-17T08:01:32+00:00 https://nfosa.co.za/cr237-beneficiary-nomination-insureds-nomination-of-beneficiary-refused-by-insurer/ 2024-04-17T08:01:48+00:00 https://nfosa.co.za/cr214-beneficiary-nominations/ 2024-04-17T08:02:04+00:00 https://nfosa.co.za/cr213-beneficiary-nomination-living-annuity/ 2024-04-17T08:02:18+00:00 https://nfosa.co.za/cr174-beneficiary-nominations-nomination-revocable/ 2024-04-17T08:02:32+00:00 https://nfosa.co.za/cr348-exceptions-exclusion-clause-acquired-immune-deficiency-syndrome-aids-or-hiv-infection/ 2024-04-17T08:02:51+00:00 https://nfosa.co.za/cr183-exclusion-clause-hiv-diagnosed-after-application-date-but-prior-to-the-commencement-date/ 2024-04-17T08:03:02+00:00 https://nfosa.co.za/cr370-accidental-death-policy-covered-accidental-death/ 2024-04-17T08:03:19+00:00 https://nfosa.co.za/cr371-accident-claim-for-accidental-benefit-due-to-bodily-injury/ 2024-04-17T08:03:36+00:00 https://nfosa.co.za/cr376-probabilities-of-accidental-death-for-payment-of-accidental-death-benefit/ 2024-04-17T08:03:45+00:00 https://nfosa.co.za/cr322-exclusion-clause-inserted-in-definition-of-an-accident-only/ 2024-04-17T08:03:55+00:00 https://nfosa.co.za/cr170-accident-whether-an-operation-for-cosmetic-reasons/ 2024-04-17T08:04:04+00:00 https://nfosa.co.za/cr82-accidental-death-benefit-declined-deceaseds-concentration-of-alcohol-in-blood-excessive/ 2024-04-17T08:04:13+00:00 https://nfosa.co.za/cr83-death-claim-accidental-death-policy-whether-the-deceased-negligently-or-intentionally-exposed-himself-to-danger/ 2024-04-17T08:04:22+00:00 https://nfosa.co.za/cr315-premiums-collected-after-cover-ceasing/ 2024-04-17T08:09:37+00:00 https://nfosa.co.za/cr161-a-cancer-claim-rejected/ 2024-04-17T08:09:50+00:00 https://nfosa.co.za/cr47/ 2024-04-17T08:11:07+00:00 https://nfosa.co.za/cr18-death-claim-rejected-due-to-insurers-reliance-on-pre-existing-exclusion-clause/ 2024-04-17T08:15:11+00:00 https://nfosa.co.za/cr115-repudiation-due-to-alleged-non-disclosure-was-the-non-disclosed-material-material/ 2024-04-17T08:15:23+00:00 https://nfosa.co.za/cr250-definition-of-cancer-is-the-insurers-interpretation-of-the-definition-too-strict/ 2024-04-17T08:15:47+00:00 https://nfosa.co.za/cr254-insureds-nomination-of-beneficiary-refused-by-insurer/ 2024-04-17T08:16:03+00:00 https://nfosa.co.za/cr159-penalties-duty-to-inform-policyholder-of-punitive-deductions-when-making-a-loan-against-a-policy/ 2024-04-17T08:16:17+00:00 https://nfosa.co.za/cr126-secured-debt-repaid/ 2024-04-17T08:16:28+00:00 https://nfosa.co.za/cr104-wanbetaling-van-premies-verval-van-polis/ 2024-04-17T08:16:41+00:00 https://nfosa.co.za/cr106-mandate-unauthorised-investment-relief/ 2024-04-17T08:16:52+00:00 https://nfosa.co.za/cr108-onvanpaste-advies-belegging-in-die-buitelandse-mark-verhoor-remedie/ 2024-04-17T08:17:07+00:00 https://nfosa.co.za/cr110-the-complainant-alleges-that-she-could-never-qualify/ 2024-04-17T08:17:21+00:00 https://nfosa.co.za/cr113-broker-mismanaging-insureds-investment/ 2024-04-17T08:17:32+00:00 https://nfosa.co.za/cr67-transfer-of-funds-from-one-insurer-to-another/ 2024-04-17T08:17:44+00:00 https://nfosa.co.za/cr75-disability-premium-waiver-benefit/ 2024-04-17T08:17:57+00:00 https://nfosa.co.za/cr80-exclusion-clause-is-it-applicable-where-circumstances-surrounding-cause-of-death-unclear/ 2024-04-17T08:18:09+00:00 https://nfosa.co.za/cr81-uitsluiting-geen-dekking-in-geval-van-wedrenaktiwiteite/ 2024-04-17T08:18:25+00:00 https://nfosa.co.za/cr55-cession-security-cession-policy-ceded-to-bank-to-secure-a-bond/ 2024-04-17T08:18:38+00:00 https://nfosa.co.za/cr57-sessie-bedrog/ 2024-04-17T08:18:51+00:00 https://nfosa.co.za/cr59-contract-breach-of-mandate-entitlement-to-damages/ 2024-04-17T08:19:04+00:00 https://nfosa.co.za/cr26-funeral-insurance-dubious-claims-3/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr34-interpretation-loan-protection-insurance-2/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr380-policy-exclusion-death-due-to-participation-in-criminal-act/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr381-loss-of-income-claim-covid19-is-a-ters-uif-payment-considered-income-in-terms-of-the-policy-definition/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr382-mistake-lapsing-reliance-reinstatement/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr383-disability-claim-mineworker-hearing-loss/ 2024-04-17T08:23:08+00:00 https://nfosa.co.za/cr357-late-payment-is-the-insurer-liable-to-pay-additional-interest/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr358-universal-life-policy/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr360-suicide-clause/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr362-waiting-period-disability-equity/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr363-disability-claim-reasonableness-of-alternative-occupation/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr365-pre-existing-conditions-disability-benefit-claim/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr366-funeral-benefit-claim-declined-on-the-basis-that-the-parties-were-divorced-prior-to-the-conclusion-of-the-contract/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr367-conclusion-of-contract-policy-correctly-issued/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr368-disability/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr369-impairment-benefit-physical-impairment-benefit/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr377-interpretation-and-application-of-the-restriction-period/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr379-interest-on-late-payment/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr385-exclusion-of-psychiatric-disorders-constitutional-rights-infringed/ 2024-04-17T08:23:09+00:00 https://nfosa.co.za/cr337-policy-holder-funeral-insurance-policy-holder/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr338-funeral-insurance-funeral-plan-required-notification-of-a-childs-birth-for-the-child-to-be-added-to-the-policy/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr339-disability-could-the-complainant-be-considered-totally-disabled-if-she-was-capable-of-performing-a-part-time-job-only/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr340-interpretation-definition-of-diabetes/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr342-overpayment-by-insurer/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr373-late-submission-equity/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr374-disability/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr375-constitution-discrimination-equality-allegation-of-marital-status-discrimination/ 2024-04-17T08:23:10+00:00 https://nfosa.co.za/cr317-sale-of-insurers-business-insurer-selling-off-portions-of-its-business-to-various-other-insurers/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr321-exceptions-and-exclusions/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr325-interpretation-policy-wording/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr326-interpretation-exclusion/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr352-equity-insurer-relying-on-two-year-suicide-exclusion-clause-on-replacement-policy/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr355-disability-claim-for-disability-benefit-on-psychiatric-grounds-declined-by-insurer/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr356-interpretation-insurance-policy-contract/ 2024-04-17T08:23:11+00:00 https://nfosa.co.za/cr303-interpretation-meaning-of-redundancy-retrenchment/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr304-disability-disability-claim-under-credit-life-policy/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr305-equity-definition-in-relevant-clause-out-of-date/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr307-equity-group-scheme/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr308-exceptions-exclusions-and-waiting-periods/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr309-funeral-insurance-insurer-deeming-lives-insured-to-be-the-policyholders/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr310-interpretation-termination-of-cover-upon-a-policyholder-ceasing-to-substantially-practice-his-profession/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr333-dispute-of-fact-waiving-of-policy-ownership-in-dispute/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr335-funeral-insurance-funeral-policy/ 2024-04-17T08:23:12+00:00 https://nfosa.co.za/cr283-interpretation-claim-declined-policy-covering-cancer-of-the-genitals-including-cervix/ 2024-04-17T08:23:13+00:00 https://nfosa.co.za/cr287-loans-loan-against-policy-as-security/ 2024-04-17T08:23:13+00:00 https://nfosa.co.za/cr292-onus-of-proof-beneficiary-having-killed-the-life-assured/ 2024-04-17T08:23:13+00:00 https://nfosa.co.za/cr316-disability-prescription-medical-reports-dealing-only-with-complainants-condition-many-years-later/ 2024-04-17T08:23:13+00:00 https://nfosa.co.za/cr263-funeral-insurance-policy-definition-of-a-common-law-spouse/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr264-interpretation-disability-cover/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr265-interpretation-redundancy-benefit-only-payable-if-employed-full-time/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr266-interpretation-definition-in-policy-of-accidental-death/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr272-premiums-group-scheme-complainant-leaving-employment/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr274-beneficiary-nominations-joint-life-policy-spouses-being-joint-policyholders/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr295-reinstatement-of-policy-cross-reference-from-lapsing-pre-existing-conditions/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr297-conclusion-of-contract-quotations-provided-for-joint-life-annuities/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr299-exceptions-exclusions-and-waiting-periods-exclusion-clause-causation/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr300-exceptions-exclusions-and-waiting-periods-exclusion-clause-causation/ 2024-04-17T08:23:14+00:00 https://nfosa.co.za/cr243-exceptions-and-exclusions-pre-existing-medical-condition/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr244-exceptions-exclusions-where-death-results-from-heart-disease/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr245-exceptions-and-exclusions-benefits-excluded-for-hospitalisation/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr246-loans-interest-limit-in-terms-of-in-duplum-rule/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr275-disability-total-temporary-disability/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr276-disability-disability-partial-permanent-incapacity-claim-declined/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr277-disability-disability-claim-complainant-a-mine-shift-boss-suffering-from-epilepsy/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr278-equity-cross-reference-from-group-schemes/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr279-evidence-permanent-incapacity-benefit/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr280-funeral-insurance-funeral-benefit-no-beneficiary-nominated-by-the-policyholder/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr281-funeral-insurance-funeral-policy/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr282-interest-on-late-payments-insurer-in-mora/ 2024-04-17T08:23:15+00:00 https://nfosa.co.za/cr249-exclusion-clause-is-the-insurer-entitled-to-rely-on-the-exclusion-clause/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr252-suicide-exclusion-clause-onus-of-proof/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr258-disability-permanence-of-condition-at-issue/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr259-disability-insured-running-a-business-in-which-he-contributed-70-labour/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr260-exception-exclusion-clause-event-arising-from-pregnancy-interpretation/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr261-exclusion-clause-any-back-condition-excluded/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr262-funeral-policy-covering-eligible-children-as-defined-interpretation/ 2024-04-17T08:23:16+00:00 https://nfosa.co.za/cr206-reinstatement-of-policy-poor-service-policy-wrongly-terminated/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr207-settlement-by-conduct/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr208-settlement-by-insurer-confidentiality/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr210-waiting-period-payment-funeral-policy/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr234-rectification-justus-error/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr239-credit-insurance-claim-under-credit-life-policy-for-redundancy-benefit/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr240-disability-assessment-occupation-was-30-manual/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr242-equity-exception-in-policy-covering-disability/ 2024-04-17T08:23:17+00:00 https://nfosa.co.za/cr184-funeral-insurance-definition-of-dependent-relative-brother-in-law/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr185-funeral-insurance/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr188-interest-on-late-payment/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr216-disability-definition-of-disability-housewife-as-an-occupation/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr218-disability-income-benefits-terminated/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr219-disability-claim-claimant-possessed-by-ancestral-spirit/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr220-funeral-insurance-deceased-working-in-medi-clinic/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr221-funeral-insurance-spouse-waiting-period/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr222-interpretation/ 2024-04-17T08:23:18+00:00 https://nfosa.co.za/cr164-premiums-withholding-premiums-during-dispute-with-insurer/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr176-exclusion-causation-death-resulting-from-pre-existing-condition-excluded/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr177-delay-complainant-instituting-a-claim-against-a-policy-after-the-surrender/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr178-delay-late-submission-of-claim-equity-jurisdiction/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr179-delay-late-notification-of-complaint/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr180-delay-group-funeral-scheme/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr181-disability-disability-cover-at-an-advanced-age/ 2024-04-17T08:23:19+00:00 https://nfosa.co.za/cr163-premiums-insurer-waived-premiums-for-two-years/ 2024-04-17T08:23:20+00:00 https://nfosa.co.za/cr128-bad-service-compensation/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr130-conclusion-of-contract/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr132-disability-further-medical-examinations-onus/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr133-disability-notification-of-claim-claimants-knowledge-of-cause-of-claim-is-prerequisite/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr135-exceptions-and-exclusions-suicide-when-is-suicide-suicide/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr137-funeral-insurance-eligibility-of-policyholder/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr140-funeral-policy-principal-life-assured-dies/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr142-disputed-health-insurance-claim-materials-used-in-surgical-procedure-not-covered/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr144-loans-loan-against-a-policy-rate-of-interest-left-blank-in-application-form/ 2024-04-17T08:23:21+00:00 https://nfosa.co.za/cr85-funeral-policy-no-consensus-to-conclude-contract/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr86-funeral-insurance-nominated-beneficiary-beneficiaries-cannot-be-identified-or-traced/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr87-funeral-policy-section-59-2-of-the-long-term-insurance-act-1998/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr88-funeral-insurance/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr89-funeral-policy-change-of-rules-waiting-period/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr91-funeral-policy-increase-in-premiums-compensatory-award/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr92-funeral-policy-with-accident-cover-deceased-insured-died-from-unnatural-causes/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr93-funeral-policy-insurers-reliance-on-maximum-cover-provision/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr94-validity-of-funeral-insurance-policy/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr116-funeral-policy-premiums-insurer-consistently-accepts-late-payments-effect-of/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr117-reinstatement/ 2024-04-17T08:23:22+00:00 https://nfosa.co.za/cr66-delay-in-transfer-of-funds-from-one-insurer-to-another-who-is-liable-for-the-loss/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr68-disability-whether-claimant-qualifies-for-a-lump-sum-benefit/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr69-disability-claim-claimant-involved-in-small-scale-catering-operation/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr70-disability-notification-claim-contractual-limitation-of-period-within-which-insurer-must-be-notified-of/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr71-disability-claim-insurer-declined-on-basis-of-alternative-occupation/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr72-disability-claim-whether-complainant-can-be-considered-totally-disabled-if-he-is-capable-of-performing-a-part-time-occupation-only/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr73-disability-claim-insurers-reliance-on-specialists-medical-opinion-in-repudiating-claim/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr74-disability-claim-whether-complainant-could-perform-the-material-and-substantial-duties-of-his-regular-job/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr76-premium-waiver-benefit-admitted-and-later-terminated-on-review/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr95-funeral-claim-declined-maximum-age-attained-not-a-full-time-student-accommodating-attitude-of-insurer/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr96-dispute-of-facts-not-resolved/ 2024-04-17T08:23:23+00:00 https://nfosa.co.za/cr23-funeral-insurance-fraud-by-proposer/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr24-funeral-insurance-status-of-life-assured/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr25-funeral-insurance-who-is-the-correct-claimant/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr48-onus-of-proof-life-insured-murdered-payment-of-proceeds-to-beneficiary-delayed/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr50-rescission-partial-claim-for-disability-benefit-non-disclosure-of-back-problems/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr51-rescission-claim-for-disability-benefit-cancellation-of-entire-policy-although-non-disclosure/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr61-offer-to-replace-existing-life-assurance-policies-by-new-policies/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr77-disability-claim-repudiated-on-grounds-that-complainant-capable/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr78-interpretation-of-contract-disability-claim-for-permanent-total-disablement-benefit/ 2024-04-17T08:23:24+00:00 https://nfosa.co.za/cr26-funeral-insurance-dubious-claims/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr27-funeral-insurance-dubious-claims/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr28-funeral-insurance-no-underwriting/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr29-funeral-insurance-proof-of-claim/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr32-interest-on-late-payments-funeral-policy/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr33-interpretation-payment-of-a-cancer-claim/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr34-interpretation-loan-protection-insurance/ 2024-04-17T08:23:25+00:00 https://nfosa.co.za/cr8-conclusion-of-contract-telemarketing-terms-of-the-contract/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr9-conclusion-of-contract-of-insurance/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr11-disability-claim-repudiated-on-basis-of-failure-to-meet-criteria-of-screening-tests/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr12-disability-claim-own-similar-or-other-occupation/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr13-disability-claim-total-permanent-disability/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr14-disability-claim-insurer-being-pedantic/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr15-disability-suitable-alternative-occupation/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr16-exclusions-fishing-for-information-to-support-an-exclusion/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr17-delay-exclusions-late-submission-of-claim/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr19-funeral-insurance-non-renewal-of-policy-under-dubious-circumstances/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr20-funeral-insurance-potentially-competing-claimants/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr21-funeral-insurance-competing-claimants/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/cr22-funeral-insurance-confusion-about-the-identity-of-the-insured/ 2024-04-17T08:23:26+00:00 https://nfosa.co.za/prescription-time-bar/ 2024-04-17T09:33:01+00:00 https://nfosa.co.za/delay/ 2024-04-17T09:33:22+00:00 https://nfosa.co.za/fairness/ 2024-04-17T09:37:25+00:00 https://nfosa.co.za/words-and-phrases/ 2024-04-17T09:44:39+00:00 https://nfosa.co.za/policy-wording/ 2024-04-17T09:44:52+00:00 https://nfosa.co.za/quotations/ 2024-04-17T09:58:56+00:00 https://nfosa.co.za/offer-2/ 2024-04-17T09:59:20+00:00 https://nfosa.co.za/cr314-pre-existing-condition-death-claim-under-credit-life-policy/ 2024-04-17T10:02:03+00:00 https://nfosa.co.za/amendments-to-policies/ 2024-04-17T10:08:34+00:00 https://nfosa.co.za/conclusion-of-contract/ 2024-04-17T10:08:53+00:00 https://nfosa.co.za/cr391-alleged-misrepresentation-of-allocation-of-duties/ 2024-04-17T10:11:20+00:00 https://nfosa.co.za/cr392-non-disclosure-matter-re-opened-death-occurred-18-years-ago/ 2024-04-17T10:11:26+00:00 https://nfosa.co.za/cr393-guardianship-payments-to-minor/ 2024-04-17T10:11:34+00:00 https://nfosa.co.za/cr395-lapsing-failure-to-regard-the-policy-as-lapsed-prejudicing-the-complainants-right-to-reinstate-the-policy-on-favourable-terms/ 2024-04-17T10:11:46+00:00 https://nfosa.co.za/cr396-lapsing-sms-notification-is-it-in-line-with-section-52-of-the-long-term-insurance-act/ 2024-04-17T10:11:55+00:00 https://nfosa.co.za/cr397-suicide-exclusion-insurer-failed-to-discharge-onus-to-prove/ 2024-04-17T10:12:03+00:00 https://nfosa.co.za/cr398-mistake-by-insurer-beneficiary-nomination-changed/ 2024-04-17T10:12:10+00:00 https://nfosa.co.za/cr399-poor-service-fairness-compensation/ 2024-04-17T10:12:16+00:00 https://nfosa.co.za/cr400-interpretation-activities-of-daily-living-cover/ 2024-04-17T10:12:22+00:00 https://nfosa.co.za/cr401-repudiation-of-a-dread-disease-claim-non-disclosure-of-material-fact/ 2024-04-17T10:12:29+00:00 https://nfosa.co.za/cr402-compensation-poor-service-putting-complainant-to-unnecessary-effort/ 2024-04-17T10:12:35+00:00 https://nfosa.co.za/cr403-pre-existing-condition-clause-in-disability-benefit/ 2024-04-17T10:12:41+00:00 https://nfosa.co.za/cr394-exclusion-insurer-relied-on-several-exclusions-to-avoid-payment/ 2024-05-03T08:20:51+00:00 https://nfosa.co.za/cr378/ 2024-05-03T08:22:09+00:00 https://nfosa.co.za/cr256-annuity-annual-increases-dependent-on-declared-bonuses/ 2024-05-03T08:31:33+00:00 https://nfosa.co.za/abusive-behaviour/ 2024-05-15T06:33:54+00:00 https://nfosa.co.za/cr351-exclusions-causation-pre-existing-condition-exclusion-clause/ 2024-05-15T06:35:52+00:00 https://nfosa.co.za/cr320-causation-see-also-exceptions-exclusions-and-waiting-periods/ 2024-05-15T06:35:53+00:00 https://nfosa.co.za/cr175-causation-exclusion/ 2024-05-15T06:35:55+00:00 https://nfosa.co.za/cr58-cession-of-insurance-policy-as-security-for-a-debt-to-a-bank-2/ 2024-05-15T06:37:33+00:00 https://nfosa.co.za/cr301-cession-cedent-married-in-community-of-property-failing-to-obtain-spouses-consent/ 2024-05-15T06:37:34+00:00 https://nfosa.co.za/cr257-cession-of-life-policy-after-sequestration-of-insureds-estate/ 2024-05-15T06:37:35+00:00 https://nfosa.co.za/cr238-cession-of-policy/ 2024-05-15T06:37:36+00:00 https://nfosa.co.za/cr127-cession-in-securitatem-debiti-who-is-to-enquire-about-an-alleged-phantom/ 2024-05-15T06:37:37+00:00 https://nfosa.co.za/cr124-policy-converted-to-paid-up-without-notice-to-the-cessionary/ 2024-05-15T06:37:39+00:00 https://nfosa.co.za/cr134-estoppel-double-cession/ 2024-05-15T06:37:39+00:00 https://nfosa.co.za/cr123-cession-of-policy-to-third-party/ 2024-05-15T06:37:40+00:00 https://nfosa.co.za/cr119-cession-claim-by-cessionary-duty-of-insurer-as-debtor/ 2024-05-15T06:37:41+00:00 https://nfosa.co.za/cr58-cession-of-insurance-policy-as-security-for-a-debt-to-a-bank/ 2024-05-15T06:37:42+00:00 https://nfosa.co.za/cr3-cession-security-cession-fraudulent-surrender-of-policy/ 2024-05-15T06:37:43+00:00 https://nfosa.co.za/cr56-cession-security-cession-to-bank/ 2024-05-15T06:37:43+00:00 https://nfosa.co.za/cr4-cession-effect-of-cession-on-rights-of-nominated-beneficiary/ 2024-05-15T06:37:44+00:00 https://nfosa.co.za/cr5-cession-policy-procured-with-a-view-to-securing-a-bond-on-house/ 2024-05-15T06:37:45+00:00 https://nfosa.co.za/cr6-cession-sale-of-second-hand-policies/ 2024-05-15T06:37:47+00:00 https://nfosa.co.za/cr2-cession-security-cession-surrender-by-cessionary/ 2024-05-15T06:37:48+00:00 https://nfosa.co.za/cr1-cession-security-cession/ 2024-05-15T06:37:49+00:00 https://nfosa.co.za/sale-of-second-hand-policies/ 2024-05-15T06:37:50+00:00 https://nfosa.co.za/second-hand-endowment-policies/ 2024-05-15T06:37:51+00:00 https://nfosa.co.za/cr293-poor-service-administration-of-policies-by-insurer/ 2024-05-15T06:39:49+00:00 https://nfosa.co.za/cr162-poor-service-insurer-providing-confidential-policy-information-to-a-third-party/ 2024-05-15T06:39:51+00:00 https://nfosa.co.za/cr98-ambiguity-in-a-policy-wording/ 2024-05-15T06:41:29+00:00 https://nfosa.co.za/cr215-costs-complainant-unhappy-with-return-on-his-policies-alleging-values-diminished-by-surrender-penalties/ 2024-05-15T06:44:56+00:00 https://nfosa.co.za/cr65-costs-alleged-failure-of-broker-to-explain-costs-and-commission-structure/ 2024-05-15T06:44:57+00:00 https://nfosa.co.za/cr62-ra-policy-made-paid-up-costs-deducted/ 2024-05-15T06:44:58+00:00 https://nfosa.co.za/cr63-ra-policies-made-paid-up-costs-deducted/ 2024-05-15T06:44:58+00:00 https://nfosa.co.za/costs/ 2024-05-15T06:44:59+00:00 https://nfosa.co.za/commissions/ 2024-05-15T06:45:00+00:00 https://nfosa.co.za/cr302-conclusion-of-contract-reliance-theory-credit-life-policy-covering-bond/ 2024-05-15T06:47:08+00:00 https://nfosa.co.za/cr97-compensation-for-late-payment-of-death-benefits-caused-by-unjustified-delay-by-an-insurer/ 2024-05-15T06:50:35+00:00 https://nfosa.co.za/cr217-disability-claim-under-credit-life-policy/ 2024-05-15T06:54:32+00:00 https://nfosa.co.za/dispute-of-facts/ 2024-05-15T06:58:08+00:00 https://nfosa.co.za/cr359-dread-disease/ 2024-05-15T06:59:05+00:00 https://nfosa.co.za/cr361-dread-disease-exclusion-clause/ 2024-05-15T06:59:06+00:00 https://nfosa.co.za/cr346-underwriting-alleged-unreasonable-delay-in-processing-application-for-dread-disease-cover/ 2024-05-15T06:59:07+00:00 https://nfosa.co.za/cr251-dread-disease-claim-interpretation-of-contract/ 2024-05-15T06:59:09+00:00 https://nfosa.co.za/cr334-dread-disease-medical-evidence-not-meeting-criteria-for-claim-on-basis-of-stroke/ 2024-05-15T06:59:09+00:00 https://nfosa.co.za/cr349-dread-disease-equity/ 2024-05-15T06:59:09+00:00 https://nfosa.co.za/cr241-dread-disease-complainant-claiming-for-dread-disease-benefit-on-grounds-of-cancer/ 2024-05-15T06:59:10+00:00 https://nfosa.co.za/cr79-dread-disease-claim-rejected-catheterisation-and-angioplasty-cannot-be-regarded-as-open-heart-surgery/ 2024-05-15T06:59:11+00:00 https://nfosa.co.za/cr160-dread-disease-claim-heart-attack-definition-not-met/ 2024-05-15T06:59:11+00:00 https://nfosa.co.za/cr182-dread-disease-benefit-claim/ 2024-05-15T06:59:11+00:00 https://nfosa.co.za/cr31-imputation-of-knowledge-dread-disease-claim/ 2024-05-15T06:59:13+00:00 https://nfosa.co.za/credit-insurance/ 2024-05-15T07:12:29+00:00 https://nfosa.co.za/cr343-equity-disability-claim-declined-complaint-lodged-eight-years-later/ 2024-05-15T07:14:25+00:00 https://nfosa.co.za/cr286-late-submission-of-claims-cross-reference-from-interpretation-disability-equity/ 2024-05-15T07:14:26+00:00 https://nfosa.co.za/equity/ 2024-05-15T07:14:28+00:00 https://nfosa.co.za/dread-disease/ 2024-05-15T07:14:29+00:00 https://nfosa.co.za/waiting-periods/ 2024-05-15T07:20:17+00:00 https://nfosa.co.za/rating-by-exclusions/ 2024-05-15T07:20:19+00:00 https://nfosa.co.za/exceptions-exclusions-and-waiting-periods-new/ 2024-05-15T07:20:21+00:00 https://nfosa.co.za/anti-selection/ 2024-05-15T07:20:22+00:00 https://nfosa.co.za/causation/ 2024-05-15T07:20:24+00:00 https://nfosa.co.za/accident/ 2024-05-15T07:20:25+00:00 https://nfosa.co.za/aids-hiv-2/ 2024-05-15T07:20:27+00:00 https://nfosa.co.za/fais-act/ 2024-05-15T07:21:21+00:00 https://nfosa.co.za/cr138-funeral-policy-section-53-of-the-long-term-insurance-act-no-52-of-1998/ 2024-05-15T07:24:32+00:00 https://nfosa.co.za/cr139-funeral-insurance/ 2024-05-15T07:24:34+00:00 https://nfosa.co.za/cr141-fraud-quite-probable-but-claim-paid/ 2024-05-15T07:24:35+00:00 https://nfosa.co.za/scams/ 2024-05-15T07:24:54+00:00 https://nfosa.co.za/funeral-insurance/ 2024-05-15T07:28:14+00:00 https://nfosa.co.za/cr129-funeral-insurance-non-conclusion-of-contract-estoppel-compensation/ 2024-05-15T07:28:34+00:00 https://nfosa.co.za/cr336-equity-funeral-benefit-claim-rejected-on-grounds-of-late-submission/ 2024-05-15T07:29:03+00:00 https://nfosa.co.za/cr84-funeral-policy/ 2024-05-15T07:29:04+00:00 https://nfosa.co.za/beneficiary-nominations/ 2024-05-15T07:30:54+00:00 https://nfosa.co.za/cr186-health-insurance-interpretation-expenses-reasonably-and-necessarily-incurred/ 2024-05-15T07:34:51+00:00 https://nfosa.co.za/consumers-in-the-dark-about-credit-insurance/ 2024-05-15T07:35:09+00:00 https://nfosa.co.za/cr30-imputation-of-knowledge-patent-disability/ 2024-05-15T07:36:26+00:00 https://nfosa.co.za/cr187-insurable-interest-spouse/ 2024-05-15T07:39:51+00:00 https://nfosa.co.za/cr136-insured-life-wrongly-described-as-spouse-of-principal-insured/ 2024-05-15T07:39:52+00:00 https://nfosa.co.za/over-insurance/ 2024-05-15T07:39:53+00:00 https://nfosa.co.za/insurable-interest-2/ 2024-05-15T07:39:55+00:00 https://nfosa.co.za/cr384-delay-in-payment-interest-in-duplum-rule/ 2024-05-15T07:46:30+00:00 https://nfosa.co.za/interest-on-late-payments/ 2024-05-15T07:46:32+00:00 https://nfosa.co.za/cr189-intermediary-delictual-liability-of-insurer-for-representations-made-by-an-intermediary-under-the-insurers-letterhead/ 2024-05-15T07:49:46+00:00 https://nfosa.co.za/agents/ 2024-05-15T07:54:23+00:00 https://nfosa.co.za/advice/ 2024-05-15T07:54:24+00:00 https://nfosa.co.za/cr324-interpretation-ambiguity-application-of-the-contra-proferentem-rule/ 2024-05-15T08:01:16+00:00 https://nfosa.co.za/cr267-interpretation-ambiguity-in-policy-terms-interpreted-contra-proferentem/ 2024-05-15T08:01:17+00:00 https://nfosa.co.za/contra-proferentem-rule/ 2024-05-15T08:01:19+00:00 https://nfosa.co.za/ambiguity/ 2024-05-15T08:01:21+00:00 https://nfosa.co.za/cr311-investment-performance-limitations-of-insurers-responsibility/ 2024-05-15T08:04:49+00:00 https://nfosa.co.za/cr319-beneficiary-nominations-beneficiary-nominated-for-proceeds-of-investment-policy-on-death/ 2024-05-15T08:08:14+00:00 https://nfosa.co.za/cr99-investment-instruction-not-carried-out/ 2024-05-15T08:08:15+00:00 https://nfosa.co.za/cr100-investment-losses-incurred-from-investment-for-elderly-client/ 2024-05-15T08:08:17+00:00 https://nfosa.co.za/cr327-jurisdiction-deceased-employed-by-an-insurer/ 2024-05-15T08:11:23+00:00 https://nfosa.co.za/cr312-jurisdiction-mistaken-payment-by-insurer-to-policyholder-of-portion-of-benefit/ 2024-05-15T08:11:24+00:00 https://nfosa.co.za/cr268-jurisdiction-overpayment-to-the-insured-of-her-monthly-pension/ 2024-05-15T08:11:25+00:00 https://nfosa.co.za/cr101-jurisdiction-exclusion-clause-insurer-alleges-that-it-paid-accident-benefit-in-error/ 2024-05-15T08:11:26+00:00 https://nfosa.co.za/cr224-jurisdiction-death-benefit-payable-to-the-deceaseds-estate/ 2024-05-15T08:11:26+00:00 https://nfosa.co.za/cr35-jurisdiction-if-an-investment-product-is-wrapped/ 2024-05-15T08:11:27+00:00 https://nfosa.co.za/cr36-jurisdiction-lapsed-policy-premium-part-of-bond-repayment/ 2024-05-15T08:11:28+00:00 https://nfosa.co.za/jurisdiction/ 2024-05-15T08:11:29+00:00 https://nfosa.co.za/lapsing/ 2024-05-15T08:13:41+00:00 https://nfosa.co.za/cancellations/ 2024-05-15T08:13:44+00:00 https://nfosa.co.za/cr341-lapsing-life-assured-not-having-paid-a-premium-for-the-month-in-which-he-died/ 2024-05-15T08:14:09+00:00 https://nfosa.co.za/cr328-lapsing/ 2024-05-15T08:14:10+00:00 https://nfosa.co.za/cr253-lapsing-of-policy-implications-of-acceptance-of-late-payment/ 2024-05-15T08:14:11+00:00 https://nfosa.co.za/cr255-lapsing-of-policy-complainant-repeatedly-having-failed-to-pay-premiums/ 2024-05-15T08:14:12+00:00 https://nfosa.co.za/cr203-payment-debit-order-not-activated-due-to-capturing-error-on-part-of-insurer-policy-lapsed/ 2024-05-15T08:14:14+00:00 https://nfosa.co.za/cr105-lapsing-whole-life-policy-made-paid-up-for-reduced-benefits/ 2024-05-15T08:14:15+00:00 https://nfosa.co.za/cr103-lapsing-interpretation-life-insured-no-longer-eligible/ 2024-05-15T08:14:16+00:00 https://nfosa.co.za/cr329-late-submission-of-claims/ 2024-05-15T08:15:27+00:00 https://nfosa.co.za/cr284-late-submission-of-claims-equity-unique-circumstances/ 2024-05-15T08:15:28+00:00 https://nfosa.co.za/cr285-late-submission-of-claims-death-and-disability-claims-in-terms-of-mortgage-protection-policies/ 2024-05-15T08:15:29+00:00 https://nfosa.co.za/cr225-late-submission/ 2024-05-15T08:15:30+00:00 https://nfosa.co.za/cr226-late-submission-of-claim-interpretation-of-contract/ 2024-05-15T08:15:31+00:00 https://nfosa.co.za/late-submission-of-claims/ 2024-05-15T08:15:51+00:00 https://nfosa.co.za/life-policies/ 2024-05-15T08:17:43+00:00 https://nfosa.co.za/loans/ 2024-05-15T08:22:05+00:00 https://nfosa.co.za/cr107-exaggerated-marketing-material/ 2024-05-15T08:24:57+00:00 https://nfosa.co.za/cr298-matrimonial-property-act-beneficiary-nomination/ 2024-05-15T08:26:31+00:00 https://nfosa.co.za/cr228-maturity-policy-open-ended-after-maturity-date/ 2024-05-15T08:28:23+00:00 https://nfosa.co.za/former-lead-banking-ombud-appointed-first-head-of-new-national-body/ 2024-05-15T08:30:29+00:00 https://nfosa.co.za/wp-content/uploads/2024/04/NFOSA-Press-Release-Web-Thumbnail.jpg https://nfosa.co.za/complaints-data-2017-now-published/ 2024-05-15T08:32:25+00:00 https://nfosa.co.za/annual-report-2021/ 2024-05-15T08:33:36+00:00 https://nfosa.co.za/annual-report-2022/ 2024-05-15T08:33:37+00:00 https://nfosa.co.za/cr288-minors-payment-to-minor-as-policyholder/ 2024-05-15T08:34:37+00:00 https://nfosa.co.za/cr190-misleading-marketing-material-n-aantal-onlangse-gevalle-uit-die-leers-van-die-ombudsman-vir-langtermynversekering/ 2024-05-15T08:35:15+00:00 https://nfosa.co.za/cr191-misleading-marketing-practices/ 2024-05-15T08:35:16+00:00 https://nfosa.co.za/cr296-misrepresentation-telesale-of-credit-life-policy/ 2024-05-15T08:36:33+00:00 https://nfosa.co.za/cr247-mandate-misrepresentation-by-insurer-that-its-financial-adviser-was-independent/ 2024-05-15T08:36:35+00:00 https://nfosa.co.za/cr229-misrepresentation-post-contractual/ 2024-05-15T08:36:36+00:00 https://nfosa.co.za/cr230-misrepresentation-alleged-misrepresentation/ 2024-05-15T08:36:37+00:00 https://nfosa.co.za/cr146-allegation-of-misrepresentation-concerning-basic-life-cover/ 2024-05-15T08:36:38+00:00 https://nfosa.co.za/cr192-misrepresentation/ 2024-05-15T08:36:38+00:00 https://nfosa.co.za/cr147-misrepresentation/ 2024-05-15T08:36:39+00:00 https://nfosa.co.za/cr102-key-man-insurance-misrepresentation-by-life-insured/ 2024-05-15T08:36:40+00:00 https://nfosa.co.za/cr37-misrepresentation-by-independent-broker-prior-to-conclusion-of-contract/ 2024-05-15T08:36:41+00:00 https://nfosa.co.za/misrepresentation/ 2024-05-15T08:36:42+00:00 https://nfosa.co.za/cr194-misselling-client-not-needing-ra-proceeds-at-age-70/ 2024-05-15T08:40:46+00:00 https://nfosa.co.za/cr148-misselling/ 2024-05-15T08:40:47+00:00 https://nfosa.co.za/cr149-misseling-onvanpaste-advies-belegging-lewende-annuiteit-appel/ 2024-05-15T08:40:48+00:00 https://nfosa.co.za/cr150-misselling-complainant-not-uninformed/ 2024-05-15T08:40:49+00:00 https://nfosa.co.za/cr145-misselling-misleading-marketing-material/ 2024-05-15T08:40:51+00:00 https://nfosa.co.za/cr112-misselling/ 2024-05-15T08:40:52+00:00 https://nfosa.co.za/cr109-misselling-can-insurer-be-held-liable-on-the-basis-that-the-policy-should-never-have-been-issued/ 2024-05-15T08:40:53+00:00 https://nfosa.co.za/cr39-misselling-instructions-misunderstood/ 2024-05-15T08:40:54+00:00 https://nfosa.co.za/cr38-misselling-advice-to-64-year-old-to-move-investments-off-shore/ 2024-05-15T08:40:55+00:00 https://nfosa.co.za/telemarketing/ 2024-05-15T08:40:56+00:00 https://nfosa.co.za/misselling/ 2024-05-15T08:40:57+00:00 https://nfosa.co.za/negligent-advice/ 2024-05-15T08:40:58+00:00 https://nfosa.co.za/churning/ 2024-05-15T08:40:59+00:00 https://nfosa.co.za/misleading-marketing-material/ 2024-05-15T08:41:41+00:00 https://nfosa.co.za/intermediaries/ 2024-05-15T08:41:42+00:00 https://nfosa.co.za/mandate/ 2024-05-15T08:43:12+00:00 https://nfosa.co.za/cr193-misselling-was-advice-by-agent-appropriate-was-the-investors-decision-informed/ 2024-05-15T08:43:42+00:00 https://nfosa.co.za/living-annuities/ 2024-05-15T08:44:32+00:00 https://nfosa.co.za/cr248-mistake-mistake-by-insurer-when-furnishing-maturity-values/ 2024-05-15T08:48:46+00:00 https://nfosa.co.za/cr195-mistake-settlement-income-plan-back-to-back/ 2024-05-15T08:48:47+00:00 https://nfosa.co.za/cr196-mistake-endowment-portion-of-policy/ 2024-05-15T08:48:48+00:00 https://nfosa.co.za/cr197-mistake-by-the-insurer-enuring-to-the-benefit-of-the-complainant/ 2024-05-15T08:48:50+00:00 https://nfosa.co.za/cr152-mistake-investment-instruction-not-followed-was-the-clients-lack-of-action-excusable/ 2024-05-15T08:48:51+00:00 https://nfosa.co.za/cr10-conclusion-of-contract-mistake/ 2024-05-15T08:48:52+00:00 https://nfosa.co.za/mistake/ 2024-05-15T08:48:53+00:00 https://nfosa.co.za/cr313-non-disclosure-claim-for-disability-income-benefits/ 2024-05-15T08:51:46+00:00 https://nfosa.co.za/cr143-health-insurance-repudiation-of-claim-on-grounds-of-non-disclosure/ 2024-05-15T08:51:47+00:00 https://nfosa.co.za/cr347-non-disclosure-complainant-failing-to-disclose-relevant-medical-condition/ 2024-05-15T08:52:20+00:00 https://nfosa.co.za/cr306-non-disclosure-equity-new-policy-issued-as-replacement/ 2024-05-15T08:52:22+00:00 https://nfosa.co.za/cr290-non-disclosure-pre-existing-conditions-whether-insured-had-failed-to-disclose-relevant-information/ 2024-05-15T08:52:23+00:00 https://nfosa.co.za/cr291-non-disclosure-complainants-refusal-after-lodging-his-claim/ 2024-05-15T08:52:24+00:00 https://nfosa.co.za/cr269-non-disclosure-when-knowledge-of-representative-will-be-imputed-to-insurer/ 2024-05-15T08:52:25+00:00 https://nfosa.co.za/cr270-non-disclosure-complainant-unaware-of-his-condition/ 2024-05-15T08:52:26+00:00 https://nfosa.co.za/cr271-non-disclosure-bipolar-mood-disorder/ 2024-05-15T08:52:27+00:00 https://nfosa.co.za/cr231-non-disclosure-policy-cancelled-on-grounds-of-non-disclosure/ 2024-05-15T08:52:28+00:00 https://nfosa.co.za/cr198-non-disclosure-whether-evidence-supported-insurers-view/ 2024-05-15T08:52:30+00:00 https://nfosa.co.za/cr199-non-disclosure-whether-the-insured-disclosed-sufficient/ 2024-05-15T08:52:30+00:00 https://nfosa.co.za/cr200-non-disclosure-materiality-remedies/ 2024-05-15T08:52:31+00:00 https://nfosa.co.za/cr169-waiver-non-disclosure/ 2024-05-15T08:52:32+00:00 https://nfosa.co.za/cr153-non-disclosure/ 2024-05-15T08:52:33+00:00 https://nfosa.co.za/cr154-non-disclosure-of-material-information/ 2024-05-15T08:52:34+00:00 https://nfosa.co.za/cr155-non-disclosure-whether-evidence-supported-insurers-view-that-false-information-had-been-disclosed/ 2024-05-15T08:52:36+00:00 https://nfosa.co.za/cr156-rejection-of-death-claim-non-disclosure-of-alcohol-consumption/ 2024-05-15T08:52:37+00:00 https://nfosa.co.za/cr157-non-disclosure-exclusion/ 2024-05-15T08:52:38+00:00 https://nfosa.co.za/cr111-all-material-facts-not-disclosed-advice-accordingly-not-appropriate/ 2024-05-15T08:52:39+00:00 https://nfosa.co.za/cr90-non-payment-on-funeral-plan-non-disclosure-of-material-facts/ 2024-05-15T08:52:40+00:00 https://nfosa.co.za/cr43-non-disclosure-extent-of-duty/ 2024-05-15T08:52:42+00:00 https://nfosa.co.za/cr44-non-disclosure-disability-claim-repudiated-on-the-basis-of-material/ 2024-05-15T08:52:42+00:00 https://nfosa.co.za/cr45-non-disclosure-claim-for-disability-repudiated-on-the-basis-of-material/ 2024-05-15T08:52:42+00:00 https://nfosa.co.za/cr46-non-disclosure-payment-of-claim-for-premium-waiver-benefit-on-death-of-premium-payer-resisted-by-insurer/ 2024-05-15T08:52:43+00:00 https://nfosa.co.za/cr40-non-disclosure-insurers-right-to-investigate/ 2024-05-15T08:52:44+00:00 https://nfosa.co.za/cr41-non-disclosure-what-information-is-sufficient-to-satisfy-the-duty-of-disclosure/ 2024-05-15T08:52:46+00:00 https://nfosa.co.za/cr42-non-disclosure-extent-of-disclosure-required-for-compliance/ 2024-05-15T08:52:47+00:00 https://nfosa.co.za/disclosure/ 2024-05-15T08:54:04+00:00 https://nfosa.co.za/evidence/ 2024-05-15T08:56:38+00:00 https://nfosa.co.za/overpayment-by-insurer/ 2024-05-15T08:57:33+00:00 https://nfosa.co.za/cr201-paid-up-value-informed-decision/ 2024-05-15T08:58:15+00:00 https://nfosa.co.za/cr202-payment-paid-up-policies/ 2024-05-15T08:58:16+00:00 https://nfosa.co.za/mis-or-non-disclosure-reconstructing-the-policy/ 2024-05-15T08:59:01+00:00 https://nfosa.co.za/payment-and-non-payment/ 2024-05-15T08:59:45+00:00 https://nfosa.co.za/cr364-payment-and-non-payment-payment-to-wrong-party/ 2024-05-15T09:00:11+00:00 https://nfosa.co.za/cr232-payment-insurer-setting-off-overpaid-amount-against-other-policy-benefits/ 2024-05-15T09:00:13+00:00 https://nfosa.co.za/cr233-payment-of-premiums-debit-order-on-third-partys-bank-account-without-his-authorisation/ 2024-05-15T09:00:14+00:00 https://nfosa.co.za/cr204-payment-of-premiums/ 2024-05-15T09:00:15+00:00 https://nfosa.co.za/cr64-deduction-of-penalty-no-contractual-provision/ 2024-05-15T09:01:11+00:00 https://nfosa.co.za/legislation/ 2024-05-15T09:02:53+00:00 https://nfosa.co.za/cr120-dissatisfaction-with-policy-performance/ 2024-05-15T09:06:19+00:00 https://nfosa.co.za/cr227-loans-loan-on-security-of-policy-complainant-alleges-interest-rate-not-disclosed/ 2024-05-15T09:07:50+00:00 https://nfosa.co.za/policyholder-protection-rules/ 2024-05-15T09:07:51+00:00 https://nfosa.co.za/consumer-protection/ 2024-05-15T09:08:24+00:00 https://nfosa.co.za/cr223-interest-complainant-cancelled-during-the-cooling-off/ 2024-05-15T09:09:20+00:00 https://nfosa.co.za/cr205-poor-service-payment-to-incorrect-party/ 2024-05-15T09:10:28+00:00 https://nfosa.co.za/poor-service/ 2024-05-15T09:10:29+00:00 https://nfosa.co.za/compensatory-awards/ 2024-05-15T09:10:30+00:00 https://nfosa.co.za/cr390-pre-existing-condition-exclusion-causation/ 2024-05-15T09:12:03+00:00 https://nfosa.co.za/cr294-pre-existing-conditions-hypertension-and-cholesterolaemia-as-causes-of-heart-failure-proof/ 2024-05-15T09:12:04+00:00 https://nfosa.co.za/cr158-onus-of-proof-pre-existing-condition/ 2024-05-15T09:12:06+00:00 https://nfosa.co.za/pre-existing-conditions/ 2024-05-15T09:12:07+00:00 https://nfosa.co.za/cr387-prescription/ 2024-05-15T09:14:46+00:00 https://nfosa.co.za/credit-ombud-puts-over-r8-million-rands-back-into-the-pockets-of-consumers/ 2024-05-15T09:15:21+00:00 https://nfosa.co.za/proof-of-claims/ 2024-05-15T09:16:18+00:00 https://nfosa.co.za/loading/ 2024-05-15T09:17:34+00:00 https://nfosa.co.za/rectification/ 2024-05-15T09:18:17+00:00 https://nfosa.co.za/cr165-refund-of-premiums-non-disclosure-of-material-facts/ 2024-05-15T09:19:09+00:00 https://nfosa.co.za/cr49-refund-of-premiums-cancellation-of-contract-by-insurer-on-the-grounds-of-non-disclosure/ 2024-05-15T09:19:10+00:00 https://nfosa.co.za/premiums/ 2024-05-15T09:19:50+00:00 https://nfosa.co.za/penalties/ 2024-05-15T09:22:47+00:00 https://nfosa.co.za/reinstatement-of-policies-or-benefits/ 2024-05-15T09:23:34+00:00 https://nfosa.co.za/reopening-of-closed-cases/ 2024-05-15T09:24:33+00:00 https://nfosa.co.za/res-judicata-reopening-of-closed-cases/ 2024-05-15T09:25:13+00:00 https://nfosa.co.za/rescission/ 2024-05-15T09:36:43+00:00 https://nfosa.co.za/annuities/ 2024-05-15T09:38:23+00:00 https://nfosa.co.za/cr386-termination-of-contract-retrenchment-claim/ 2024-05-15T09:45:11+00:00 https://nfosa.co.za/cr388-retrenchment-interpretation-contra-proferentum/ 2024-05-15T09:45:12+00:00 https://nfosa.co.za/cr344-retrenchment-retrenchment-claim-insurers-liability-excluded-if-life-insured/ 2024-05-15T09:45:13+00:00 https://nfosa.co.za/cr353-credit-insurance-retrenchment-equity/ 2024-05-15T09:45:14+00:00 https://nfosa.co.za/cr354-credit-insurance-retrenchment/ 2024-05-15T09:45:16+00:00 https://nfosa.co.za/cr350-credit-insurance-retrenchment-credit-insurance/ 2024-05-15T09:45:17+00:00 https://nfosa.co.za/cr332-credit-insurance-credit-insurance-claim-under-credit-life-policy-for-retrenchment-benefit/ 2024-05-15T09:45:18+00:00 https://nfosa.co.za/cr323-credit-insurance-retrenchment-benefit-extent-of-cover/ 2024-05-15T09:45:19+00:00 https://nfosa.co.za/cr330-credit-insurance-claim-under-credit-life-policy-for-retrenchment-benefit/ 2024-05-15T09:45:19+00:00 https://nfosa.co.za/cr331-credit-insurance-claim-under-credit-life-policy-for-retrenchment-benefit/ 2024-05-15T09:45:20+00:00 https://nfosa.co.za/retrenchment/ 2024-05-15T09:45:22+00:00 https://nfosa.co.za/sale-of-insurers-business/ 2024-05-15T09:46:21+00:00 https://nfosa.co.za/2021-second-reminders/ 2024-05-15T09:47:22+00:00 https://nfosa.co.za/settlements/ 2024-05-15T09:48:38+00:00 https://nfosa.co.za/cr131-conclusion-of-contract-cancellation-and-replacement/ 2024-05-15T09:51:59+00:00 https://nfosa.co.za/cr114-snatching-at-a-bargain/ 2024-05-15T09:52:00+00:00 https://nfosa.co.za/cr289-mistake-mistake-excluding-consensus/ 2024-05-15T09:52:45+00:00 https://nfosa.co.za/cr151-mistake-snatching-at-the-bargain-bona-fide-error-by-insurer/ 2024-05-15T09:52:46+00:00 https://nfosa.co.za/suicide/ 2024-05-15T09:54:20+00:00 https://nfosa.co.za/cr273-surrender-illustrative-value-grossly-overstated-by-insurer/ 2024-05-15T09:55:37+00:00 https://nfosa.co.za/cr235-surrender-of-policies-nature-and-requirements/ 2024-05-15T09:55:38+00:00 https://nfosa.co.za/cr209-surrender-life-cover-reduced-by-approximately-r200-000-due-to-part-surrender-of-the-policy/ 2024-05-15T09:55:39+00:00 https://nfosa.co.za/cr166-surrender-forged-signature-on-surrender-documents/ 2024-05-15T09:55:40+00:00 https://nfosa.co.za/cr167-surrender-right-of-complainant-to-surrender-a-policy-ownership-of-policy/ 2024-05-15T09:55:41+00:00 https://nfosa.co.za/cr125-rights-of-cessionary-to-apply-for-the-surrender/ 2024-05-15T09:55:43+00:00 https://nfosa.co.za/cr52-values-surrender-wrong-value-quoted-estoppel/ 2024-05-15T09:55:44+00:00 https://nfosa.co.za/cr345-telemarketing-telesale-of-life-cover/ 2024-05-15T09:57:39+00:00 https://nfosa.co.za/my-partner-took-out-the-debt-so-why-am-i-blacklisted/ 2024-05-15T09:58:18+00:00 https://nfosa.co.za/a-new-event/ 2024-05-15T09:58:20+00:00 https://nfosa.co.za/cr372-underwriting-life-register-entry-was-it-justified/ 2024-05-15T09:59:19+00:00 https://nfosa.co.za/cr318-values-poor-maturity-values-systemic-problems/ 2024-05-15T10:03:33+00:00 https://nfosa.co.za/cr168-values-renewal-of-contract-on-maturity/ 2024-05-15T10:03:35+00:00 https://nfosa.co.za/surrender/ 2024-05-15T10:03:36+00:00 https://nfosa.co.za/values/ 2024-05-15T10:03:37+00:00 https://nfosa.co.za/paid-up-values/ 2024-05-15T10:03:38+00:00 https://nfosa.co.za/maturity/ 2024-05-15T10:06:19+00:00 https://nfosa.co.za/investment-performance/ 2024-05-15T10:06:20+00:00 https://nfosa.co.za/illustrative-values/ 2024-05-15T10:06:21+00:00 https://nfosa.co.za/interpretation/ 2024-05-15T10:08:29+00:00 https://nfosa.co.za/life-insurance-ombud-rules-in-favour-of-customary-wife/ 2024-10-10T07:52:09+00:00 https://nfosa.co.za/wp-content/uploads/2024/10/NFO_Customary_Wife_PR-scaled.jpg https://nfosa.co.za/beware-criminals-targeting-tap-and-go-cards-for-festive-season-shopping/ 2024-10-29T10:01:22+00:00 https://nfosa.co.za/wp-content/uploads/2024/10/NFO-Thumbnail_3-scaled.jpg https://nfosa.co.za/credit-active-south-africans-at-risk-of-long-term-financial-strain/ 2024-11-19T06:33:11+00:00 https://nfosa.co.za/wp-content/uploads/2024/11/NFO_Thumbnail_Credit_Division_Press_Release_-scaled.jpg https://nfosa.co.za/financial-watchdog-recovers-r161m-and-urges-festive-season-caution/ 2024-12-03T12:49:19+00:00 https://nfosa.co.za/wp-content/uploads/2024/12/NFO-Thumbnail-5-scaled.jpg https://nfosa.co.za/media-release-03-06-2024/ 2025-01-27T11:49:22+00:00 https://nfosa.co.za/wp-content/uploads/2024/06/24-06-04_J29109_NFO_Web-Thumbnail_1200x800px_Nerosha-Maseti.png https://nfosa.co.za/media-release-19-06-2024/ 2025-01-27T11:49:34+00:00 https://nfosa.co.za/wp-content/uploads/2024/06/J29655_NFO_June-Web-Banner_1200x800px_Beware-of-Reposessions.png https://nfosa.co.za/media-release-28-06-2024/ 2025-01-27T11:49:46+00:00 https://nfosa.co.za/wp-content/uploads/2024/06/NFO-Website-Banner-.png https://nfosa.co.za/media-release-18-07-2024/ 2025-01-27T11:50:00+00:00 https://nfosa.co.za/wp-content/uploads/2024/07/OBS-2023-Report-Website.png https://nfosa.co.za/what-happens-to-financial-losses-suffered-by-banking-customers-following-a-kidnapping/ 2025-01-27T11:50:25+00:00 https://nfosa.co.za/wp-content/uploads/2024/08/Kidnapping-Duress.png https://nfosa.co.za/media-release-28-08-2024/ 2025-01-27T11:50:37+00:00 https://nfosa.co.za/wp-content/uploads/2024/08/NFO_100_Days_In_Numbers.png https://nfosa.co.za/recent-nfo-rulings-highlight-important-obligations-of-insurance-clients/ 2025-01-27T11:50:50+00:00 https://nfosa.co.za/wp-content/uploads/2024/09/NFO-Rulings-Insurance.png https://nfosa.co.za/always-read-policy-fine-print-to-avoid-headaches-when-making-a-claim/ 2025-01-27T11:51:02+00:00 https://nfosa.co.za/wp-content/uploads/2024/09/NFO-Thumbnail-scaled.jpg https://nfosa.co.za/lead-ombud-banking-division/ 2025-01-27T11:51:45+00:00 https://nfosa.co.za/wp-content/uploads/2024/04/J29109_NFO_Web-Thumbnail_1200x800px_Lead-Ombud-Banking.png https://nfosa.co.za/policy-beneficiaries-must-be-kept-up-to-date-with-insurer/ 2025-04-02T07:09:59+00:00 https://nfosa.co.za/wp-content/uploads/2025/02/NFO_Thumbnail-Beneficiary.png https://nfosa.co.za/breach-of-policy-condition-not-material-to-the-loss/ 2025-04-02T07:10:07+00:00 https://nfosa.co.za/wp-content/uploads/2025/02/NFO-Thumbnail-Policy-Breach.png https://nfosa.co.za/making-a-significant-difference-in-the-lives-of-south-africans/ 2025-04-02T07:10:19+00:00 https://nfosa.co.za/wp-content/uploads/2025/03/NFO_Thumbnail_Year_of_Protection.png https://nfosa.co.za/when-you-cannot-bank-on-your-bank-the-nfo-can-assist/ 2025-04-02T07:10:27+00:00 https://nfosa.co.za/wp-content/uploads/2025/04/NFO-can-assist.png https://nfosa.co.za/freedom-month-nfo-champions-justice-and-fairness-for-credit-consumers/ 2025-04-23T15:18:53+00:00 https://nfosa.co.za/wp-content/uploads/2025/04/NFO_Thumbnail_Financial_Freedom.png https://nfosa.co.za/the-high-cost-of-unpaid-insurance-premiums/ 2025-05-06T14:09:22+00:00 https://nfosa.co.za/wp-content/uploads/2025/05/The-High-Cost-of-Unpaid-Insurance-Premiums.png https://nfosa.co.za/medical-report-is-no-guarantee-for-disability-insurance-payout/ 2025-05-19T07:37:23+00:00 https://nfosa.co.za/wp-content/uploads/2025/05/NFO_Thumbnail_Medical_Report.png https://nfosa.co.za/nfo-recovers-a-staggering-r328-million-for-disgruntled-financial-consumers/ 2025-06-20T11:59:09+00:00 https://nfosa.co.za/wp-content/uploads/2025/06/NFO-Annual-Report.png https://nfosa.co.za/thousands-of-financial-service-complaints-come-from-rural-areas/ 2025-07-03T13:44:02+00:00 https://nfosa.co.za/wp-content/uploads/2025/07/NFOSA_3JUL25_Post-1.png https://nfosa.co.za/the-nfo-is-tasked-with-a-number-of-responsibilities-and-duties-that-help-keep-south-africas-economy-healthy/ 2025-07-18T07:39:45+00:00 https://nfosa.co.za/wp-content/uploads/2025/07/NFOSA_Mandela-Day_Thumbnail.png https://nfosa.co.za/rising-credit-debt-nfo-calls-for-greater-consumer-vigilance/ 2025-07-29T13:32:36+00:00 https://nfosa.co.za/wp-content/uploads/2025/07/NFOSA_29JUL25_Thumbnail.png https://nfosa.co.za/ombudsman-sounds-alarm-on-virtual-banking-card-fraud/ 2025-08-07T11:16:29+00:00 https://nfosa.co.za/wp-content/uploads/2025/08/NFOSA_Banking-Card-Fraud_Thumbnail.png https://nfosa.co.za/consumer-education-ingrained-in-financial-ombuds-activities/ 2025-08-22T08:36:32+00:00 https://nfosa.co.za/wp-content/uploads/2025/08/2.png https://nfosa.co.za/why-your-vehicles-unroadworthiness-could-cost-you-your-insurance-cover/ 2025-10-01T06:23:42+00:00 https://nfosa.co.za/wp-content/uploads/2025/09/1-Oct-thumbnail.png https://nfosa.co.za/life-ombuds-mediation-recovers-millions-after-claims-had-been-declined/ 2025-10-13T13:23:38+00:00 https://nfosa.co.za/wp-content/uploads/2025/10/NFOSA_13Oct25_Thumbnail.png https://nfosa.co.za/black-friday-bargains-debt-december-regrets-nfo-warns-against-credit-fuelled-spending-sprees/ 2025-11-03T09:12:23+00:00 https://nfosa.co.za/wp-content/uploads/2025/11/NFOSA_31Oct25_Press-Release_Thumbnail.png https://nfosa.co.za/from-party-to-penalty-dont-risk-your-car-insurance-cover/ 2025-11-24T15:06:00+00:00 https://nfosa.co.za/wp-content/uploads/2025/11/NFOSA_24Nov25_Drinking-and-Driving_Thumbnail-1.png https://nfosa.co.za/festive-bnpl-deals-all-that-glitter-is-not-gold/ 2025-12-04T12:47:35+00:00 https://nfosa.co.za/wp-content/uploads/2025/12/NFOSA_Festive-press-release_Thumbnail.png https://nfosa.co.za/nfo-banking-division-returns-r60-million-to-consumers-in-2025/ 2025-12-16T11:54:48+00:00 https://nfosa.co.za/wp-content/uploads/2025/12/Option-4.png https://nfosa.co.za/consumers-come-out-tops-with-formation-of-new-one-stop-ombud-scheme/ 2026-03-19T13:48:31+00:00 https://nfosa.co.za/wp-content/uploads/2024/02/NFOSA-Press-Release.jpg https://nfosa.co.za/nfo-is-poised-to-tackle-complaints-against-credit-providers/ 2026-03-20T08:30:52+00:00 https://nfosa.co.za/wp-content/uploads/2025/01/NFO-Thumbnail-Poised-To-Act.jpg https://nfosa.co.za/the-unusual-finance-chat/ 2026-03-20T08:32:41+00:00 https://nfosa.co.za/wp-content/uploads/2024/12/NFO-Thumbnail_Reana-Steyn_V2-scaled.jpg https://www.nfosa.co.za/wp-content/uploads/2024/12/Click_To_Listen.png https://nfosa.co.za/nfo-warns-stop-debt-before-it-stops-you/ 2026-04-22T13:47:30+00:00 https://nfosa.co.za/wp-content/uploads/2026/02/NFO-13-Mar-website-banner-002.jpg https://nfosa.co.za/the-hidden-risk-in-your-home-insurance-outdated-contents-values/ 2026-04-22T13:48:12+00:00 https://nfosa.co.za/wp-content/uploads/2026/02/NFO_23_February_Website_Thumbnail_1200_800_2-002.jpg https://nfosa.co.za/understanding-insurance-exclusions-why-they-matter/ 2026-04-22T13:48:59+00:00 https://nfosa.co.za/wp-content/uploads/2026/02/NFO_9_February_Website_Thumbnail_1200_800.png https://nfosa.co.za/nfo-banking-division-exposes-rising-threat-of-mule-accounts-and-fraudulent-credit-applications/ 2026-05-20T07:24:26+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_14_April_Website_Thumbnail_1200_800.jpg https://nfosa.co.za/fast-cars-denied-claims-south-africas-insurance-penalty-for-speed/ 2026-05-20T07:24:36+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_4_May_Website_Thumbnail_1200_800.png https://nfosa.co.za/illness-not-diagnosis-defines-the-claim-event/ 2026-05-20T07:24:48+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_18_May_Website_Thumbnail_1200_800.jpg https://nfosa.co.za/lack-of-due-care-recklessness-in-motor-vehicle-hijack-claim/ 2026-05-21T08:14:52+00:00 https://nfosa.co.za/wp-content/uploads/2025/07/NFOSA_16JUL25_Thumbnail-V2.png https://nfosa.co.za/ruling-on-safps-listing/ 2026-05-21T08:35:27+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_Banking_and_credit_ruling_on-SAFPS.jpg https://nfosa.co.za/ruling-on-change-of-banking-details-fraud/ 2026-05-21T08:35:57+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_Banking_and_credit_ruling_on_change.jpg https://nfosa.co.za/ruling-against-participant-standard-bank-motor-industry-ombudsman-ruling/ 2026-05-21T08:36:04+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_Banking_and_credit_ruling_against_participant.jpg https://nfosa.co.za/case-study-malware/ 2026-05-21T08:36:51+00:00 https://nfosa.co.za/wp-content/uploads/2025/11/NFOSA_31Oct25_Case-Study_Thumbnail.png https://nfosa.co.za/case-studies-highlighting-the-credit-divisions-impact/ 2026-05-21T08:36:58+00:00 https://nfosa.co.za/wp-content/uploads/2025/07/NFOSA_22JUL25_Thumbnail.png https://nfosa.co.za/final-ruling-where-funeral-claim-was-wrongly-declined/ 2026-05-21T09:17:34+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_Life_Insurance_final_ruling.jpg https://nfosa.co.za/final-ruling-against-old-mutual-insure-household-contents-theft-claim-rejected-by-insurer/ 2026-05-21T09:17:44+00:00 https://nfosa.co.za/wp-content/uploads/2026/05/NFO_Life_Insurance_final_ruling_mutual.jpg https://nfosa.co.za/case-studies-illuminate-financial-justice-lessons/ 2026-06-05T12:09:42+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Annual-Report_Website_Thumbnail_1200_800_2_small.jpg https://nfosa.co.za/nfo-strengthens-trust-with-sweeping-consumer-wins/ 2026-06-05T12:09:49+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Annual-Report_Website_Thumbnail_1200_800_3_small.jpg https://nfosa.co.za/nfos-second-year-surge-r442-9-million-restored-to-consumers/ 2026-06-05T12:09:56+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Annual-Report_Website_Thumbnail_1200_800_1_small.jpg https://nfosa.co.za/video-reana-steyn-ar-2025-enca-interview/ 2026-06-18T13:03:29+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO-enca.jpg https://nfosa.co.za/press-release-daily-maverick/ 2026-06-19T14:12:02+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO-daily-maverick.jpg https://nfosa.co.za/other-types-of-insurance-medical-gap-cover/ 2026-06-19T14:22:27+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Case-Study_1200_800_Medical-Gap-Cover.jpg https://nfosa.co.za/credit-companies-under-scrutiny-when-profit-trumps-process/ 2026-06-24T12:07:25+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_24-June_Website_Thumbnail_1200_8002781-002.jpg https://nfosa.co.za/late-notification-reasonableness-and-fair-claims-handling/ 2026-07-07T06:51:53+00:00 https://nfosa.co.za/wp-content/uploads/2026/07/FA-News.png https://nfosa.co.za/wp-content/uploads/2026/07/Fa-news-page-png-scaled.png https://nfosa.co.za/youth-courage-financial-power-nfo-channels-76-spirit/ 2026-07-10T11:42:47+00:00 https://nfosa.co.za/wp-content/uploads/2026/07/NFO_8-July_Youth_Website_Thumbnail_1200_800.png https://nfosa.co.za/a-decade-of-trust-undone-by-fine-print/ 2026-07-22T14:12:23+00:00 https://nfosa.co.za/wp-content/uploads/2026/07/NFO_22-July_Website_Thumbnail_1200_800.png https://nfosa.co.za/what-was-the-real-cause-of-the-damage/ 2026-08-21T13:50:23+00:00 https://nfosa.co.za/wp-content/uploads/2026/08/post_1.jpg https://nfosa.co.za/wp-content/uploads/2026/08/pdf_353_fanewsaug2026-1.png https://nfosa.co.za/when-does-reckless-become-reasonable/ 2026-08-21T13:51:21+00:00 https://nfosa.co.za/wp-content/uploads/2026/08/Post_2.jpg https://nfosa.co.za/wp-content/uploads/2026/08/pdf_353_fanewsaug2026-1-1.png https://nfosa.co.za/digital-banking-fraud-and-avenues-for-redress/ 2026-08-26T07:57:33+00:00 https://nfosa.co.za/wp-content/uploads/2026/08/NFO_Case-Study_1200_800_Mobile-banking.png https://nfosa.co.za/financial-literacy-the-nfos-commitment-to-consumers/ 2026-09-09T10:05:45+00:00 https://nfosa.co.za/wp-content/uploads/2026/07/NFO_The-Bulletin_Stats_Banners_Landscape_7-scaled.png https://nfosa.co.za/when-your-phone-vanishes-will-your-cover-hold/ 2026-09-09T10:45:50+00:00 https://nfosa.co.za/wp-content/uploads/2026/08/NFO_6-Aug_PressRelease_Website_Thumbnail_1200_800.png https://nfosa.co.za/the-debt-you-didnt-take-fraud-related-credit-complaints-surge-46/ 2026-09-16T08:14:06+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_14-Sept_PressRelease_Website_Thumbnail_1200_800.jpg https://nfosa.co.za/murder-for-money-insurance-frauds-deadly-twist/ 2026-09-23T08:43:45+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_21-Sept_PressRelease_Website_Thumbnail_1200_800.jpg https://nfosa.co.za/banking-department-resolutions-in-under-two-months/ 2026-09-23T10:11:02+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_3-scaled.png https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_9-1-scaled.png https://nfosa.co.za/life-insurance-growing-demand-for-assistance/ 2026-09-23T10:12:20+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_5-scaled.png https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_11-scaled.png https://nfosa.co.za/non-life-insurance-division-closures-exceed-cases-opened/ 2026-09-23T10:12:31+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_6-scaled.png https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_12-scaled.png https://nfosa.co.za/credit-department-store-cards-prove-problematic-for-consumers/ 2026-09-23T10:12:41+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_4-scaled.png https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_10-scaled.png https://nfosa.co.za/message-from-the-head-ombud-ceo-two-years-of-growth-and-tracking-the-developing-trends/ 2026-09-28T06:58:38+00:00 https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_2-scaled.png https://nfosa.co.za/wp-content/uploads/2026/09/riana-article.jpg https://nfosa.co.za/wp-content/uploads/2026/09/NFO_The-Bulletin_Stats_Banners_Landscape_8-scaled.png https://nfosa.co.za/vehicle-repossession-know-your-rights/ 2026-10-05T07:00:06+00:00 https://nfosa.co.za/wp-content/uploads/2026/10/NFO_1-oct_PressRelease_Website_Thumbnail_1200_800.jpg https://nfosa.co.za/final-ruling-against-standard-insurance-ltd/ 2026-10-14T14:36:37+00:00 https://nfosa.co.za/wp-content/uploads/2026/10/InsuranceRuling.png https://nfosa.co.za/final-ruling-against-king-price-insurance-company-ltd/ 2026-10-21T15:15:41+00:00 https://nfosa.co.za/wp-content/uploads/2026/10/NFO_21-Oct_PressRelease_Website_Thumbnail_1200_800-002.jpg https://nfosa.co.za/your-face-could-be-the-key-to-a-black-friday-banking-scam/ 2026-11-11T10:30:41+00:00 https://nfosa.co.za/wp-content/uploads/2026/10/NFO_Post-3_PressRelease_Website_Thumbnail_1200_800_Identity.png https://nfosa.co.za/that-black-friday-bargain-can-haunt-your-pocket-for-years/ 2026-11-11T10:31:37+00:00 https://nfosa.co.za/wp-content/uploads/2026/11/NFO_Post-4_PressRelease_Website_Thumbnail_1200_800_Black-friday.png https://nfosa.co.za/homeowners-insurance-claim-storm-damage-to-boundary-wall/ 2026-11-11T10:37:27+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Case-Study_1200_800_Storm-Damage-Boundary-wall.jpg https://nfosa.co.za/household-contents-a-power-surge-claim/ 2026-11-11T10:37:45+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Case-Study_1200_800_A-Power-Surge-Claim.jpg https://nfosa.co.za/household-contents-insurance-accidental-damage-to-contents/ 2026-11-11T10:37:46+00:00 https://nfosa.co.za/wp-content/uploads/2026/06/NFO_Case-Study_1200_800_Accidental-Damage.jpg