Personal Insurance

Most people take care to fully insure their possessions, such as their car, their home and its contents. But when it comes to personal insurance, people rarely give it such a high priority. Yet it only takes a few moments to consider your value to your family and how your dependants would cope financially if you became ill, were permanently incapacitated or died.

You can't avoid the obvious emotional distress such events would cause. However, basic planning can prevent the resulting financial turmoil and give you valuable peace of mind, both now and for the future.

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• You should be thinking about personal insurance if:

1. you have a partner or loved one
2. you have children who are dependant on your income
3. you have an ageing parent or relative who depends on you for support
4. your pension and savings are not enough to protect your loved ones from the rising cost of living
5. you are single and want to protect your lifestyle against illness or your income against incapacity
6. you have a mortgage or other loans