When you’re training for a big race like the Old Mutual go2berg, you know it’s not just about the one big event. It’s about the weeks, months, and sometimes years of steady rides, tough climbs, and unexpected scrapes along the way. You might have to brave the rain or deal with a sudden cramp, but you keep going because you’re prepared.

Navigating your financial journey is a lot like that. No matter how carefully you plan, unexpected events can and do happen. The question is: how ready are you to keep moving forward when life throws you off balance?

Train for the unexpected

Just like a cyclist builds endurance to handle steep climbs and surprise potholes, building financial resilience means preparing your money for life’s “what ifs.” An unexpected illness, injury, or sudden change in your family’s circumstances can derail your plans faster than a flat tyre.

That’s where having the right personal risk protection plays an important role.  Having life, disability and illness insurance isn’t about expecting the worst – it’s about ensuring a sudden shock doesn’t force you to slam on the brakes. With the right plan in place, you can continue supporting your family, covering expenses, and staying focused on your long-term goals, no matter what obstacles appear on your route.

Take Rudi Joubert, for example. His life changed in an instant when a workplace accident cost him his leg. Thankfully, he had taken his financial adviser’s guidance and secured personal income protection (disability income cover) years before. When the accident happened, it gave Rudi and his family the breathing space to focus on recovery and adapting to a new way of life (and getting back to riding his bike!), rather than being overwhelmed by financial stress.

This kind of safety net also means you can stay independent and keep living life on your own terms, even if your ability to earn an income is affected. It gives you breathing room to focus on your recovery as well as your loved ones, instead of worrying about making ends meet.

Check in regularly

Even the best cyclists don’t train once and call it a day. They keep riding, check their equipment often, and adjust their training plans as they go. And they don’t do it alone – they learn from trail veterans who’ve seen it all and know how to tackle the tough stretches.

Your finances deserve the same kind of attention and guidance. A regular review of your financial plan – ideally with a qualified adviser – helps you stay ready for anything. Think of a financial adviser as your personal coach for life’s financial journey: someone who knows the terrain, helps you prepare for surprises, and supports you in reaching your goals.

Maybe your needs have changed since you last checked in. Maybe you’ve taken on new responsibilities, or you’re aiming for fresh milestones. With expert advice, you can update your protection to match your circumstances, so that if life shifts gears suddenly, you’re still steady in the saddle.

Keep your momentum

Financial resilience isn’t about avoiding every bump – it’s about having the confidence to ride over them and keep going. With the right mix of protection and support, you’ll know you have cover in place to take care of major expenses or help your family stay on track if your ability to earn an income is impacted.

Old Mutual’s personal risk solutions are designed to adapt to your life stage and evolving needs, helping you focus on the road ahead. When you know you’ve got the right protection and a plan that grows with you, you can enjoy the journey – without worrying about the next twist in the trail.

Ready to gear up your financial resilience?

With the right protection in place and the support of a qualified financial adviser, you’ll be better prepared to handle whatever life throws your way – and keep moving forward.

Speak to one of our licensed financial advisers today to take the next step.

And while you’re at it, visit the Old Mutual Go2Berg page to see what’s in store for this year’s event.

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Old Mutual Life Assurance Company (SA) Limited is a licensed FSP and Life Insurer.

 

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