You can not prevent a premature death, disability or critical illness, but you can take steps to alleviate the devastating financial effects these often have on an individual or a family.

Whether you are married, single or retired, the key points to remember when planning your risk insurance are:

• Your savings remain intact

• Income and earnings potential is replaced

• Costs are covered for any change in lifestyle

• Expenses, mortgage, education fees and debts are covered

• Insurance is protected against inflation

• Long term care


If people are insuring their home contents and cars, how much is their life worth?