Sunday, September 06

President Emmerson Mnangagwa’s recent trip to the Vatican for meetings with Pope Francis With Virginia Mabiza among the delegation.

President Emmerson Mnangagwa’s recent trip to the Vatican for meetings with Pope Francis has stirred a fierce online debate after images surfaced showing Attorney General Virginia Mabiza among the delegation.

 

 

 

 

 

Mabiza, who was photographed at the window of the Apostolic Palace – the same spot from which the Pope traditionally delivers his Sunday Angelus address – has become the subject of speculation on social media, with some critics suggesting her closeness to the president goes beyond professional duties.

 

 

 

The online backlash grew so intense that the Attorney General’s office took the unusual step of releasing a lengthy statement defending her inclusion on the trip.

“The recent visit of the Attorney-General of Zimbabwe to the Vatican, alongside the president, marks a significant milestone in the nation’s diplomatic and international relations,” the statement read. Mabiza’s presence as part of Zimbabwe’s commitment to dialogue on global issues “ranging from justice and governance to humanitarian and spiritual matters.”

 

 

 

 

The statement further described her involvement as evidence of Zimbabwe’s “dedication to upholding the rule of law and promoting ethical leadership,” arguing that her participation symbolised a fusion of legal expertise and moral guidance in international diplomacy.

 

 

 

 

Government spokesman Ndavaningi Mangwana also weighed in, insisting that Mabiza’s role was not ceremonial.

“As the government’s chief legal adviser, the Attorney General’s role in state-to-state negotiations and interactions with legal implications is crucial,” he said.

 

 

 

 

Mangwana noted that the Vatican discussions touched on the abolition of the death penalty – a reform in which Mabiza played a key role – making her participation both relevant and necessary.

He also pointed out that Mabiza is a practising Catholic, a factor which, he suggested, added depth to her engagement with the Vatican.

 

 

 

 

Despite these explanations, the government faces an uphill battle convincing some Zimbabweans, many of whom continue to question why the Attorney General – who is not a minister responsible for foreign affairs – was included in the president’s high-profile audience with the Pope.

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Term vs Whole Life Insurance: Compare Costs and Coverage

Life insurance can protect a family from financial hardship if a wage earner, caregiver, or business owner passes away. The challenge is choosing the right type of policy. Two of the most common options are term life insurance and whole life insurance. Both can provide a death benefit, but they work differently, cost differently, and fit different planning goals.

Term life insurance is designed to last for a specific period, such as 10, 20, or 30 years. If the insured person dies during the term and the policy is active, the beneficiary receives the death benefit. If the term ends and the policy is not renewed or converted, coverage ends. Because term life does not usually build cash value, it is often more affordable than permanent life insurance for the same death benefit.

Term life can make sense when the main need is temporary protection. Parents may choose a term that lasts until children are grown, a mortgage is paid down, or college costs are no longer a concern. Business partners may use term life to support a buy-sell agreement during key growth years. A family with a tight budget may choose term insurance because it can provide a larger death benefit for a lower premium.

Whole life insurance is a type of permanent life insurance. It is designed to last for the insured person's lifetime as long as required premiums are paid. Whole life policies can build cash value over time. The cash value may be borrowed against or accessed under certain conditions, but loans and withdrawals can reduce the death benefit and may have tax consequences. Whole life premiums are usually much higher than term life premiums for the same initial death benefit.

Whole life can make sense for people who want lifetime coverage, predictable premiums, estate planning support, or a policy that includes cash value. It may also appeal to people who have already built a strong emergency fund, retirement savings, and basic protection, and who want another long-term planning tool. However, it is not automatically better simply because it lasts longer.

The right choice depends on the purpose of the coverage. If the goal is replacing income while children are young, covering a mortgage, or protecting a spouse during working years, term life may be enough. If the goal is lifetime estate liquidity, legacy planning, or long-term coverage that does not expire, whole life may be worth comparing.

Premiums should be reviewed carefully. A policy is only useful if you can keep it active. Buying an expensive permanent policy and later canceling it can be costly. Before choosing whole life, compare how the same dollars could be used for term coverage, retirement contributions, debt payoff, emergency savings, or other goals. This is not an either-or decision for everyone; some people use term life for large temporary needs and a smaller permanent policy for lifelong needs.

Underwriting is another factor. Insurers may review age, health history, medication, family history, lifestyle, driving record, occupation, hobbies, and sometimes medical exam results. Younger and healthier applicants often qualify for lower premiums, but each company evaluates risk differently. If you have a medical condition, an independent broker may help compare multiple insurers.

When comparing quotes, look beyond the premium. Ask whether the policy is level term or renewable term, whether it can be converted to permanent coverage, how long the premium is guaranteed, whether riders are included, and what happens if payments are missed. For whole life, ask for an in-force illustration, guaranteed values, non-guaranteed assumptions, surrender charges, loan interest, and how dividends are handled if applicable.

Common riders include waiver of premium, accelerated death benefit, child term rider, and guaranteed insurability. Riders can add flexibility, but they can also increase cost. Only add riders that solve a clear need.

Life insurance is not just a product; it is a financial safety plan. Start by estimating how much money your family would need for housing, debt, childcare, education, final expenses, and income replacement. Then compare policy types around that need. A licensed insurance professional or financial planner can help you evaluate options based on your state, budget, tax situation, and family goals.