Life is uncertain. The only certainty we have about life is death. When life is going well, we seldom feel the need to plan for more difficult times. Sometimes we could feel, it is an absolute waste of time to plan for a life that will end with us. True, we will have to pass on one day, but we often forget that many of our loved ones will outlive us and might even be left in the lurch staring at an uncertain future. Planning for them is caring for them. If there is someone in our life who depends on us and our income we should make provisions for their continued care and happiness. Shouldn’t we?

A critical illness is always an unwelcome visitor. It has the capacity to turn our world upside down in the blink of an eye. The diagnosis is often sudden and unanticipated. Although it’s not possible to prevent such illnesses it is possible to prepare ourselves for the financial consequences of such tragedies.

Have you ever thought how you would pay your bills if an illness or injury prevented you from going to work? For most of us life could come to a standstill. The problem is that a great majority of us tend to consider ourselves invincible and invulnerable to life’s eventualities. This might be because some of us are in great shape physically, some are single, some have no children or dependents or we may be adequately covered by our employers. The truth is, regardless of our status in life, Income Protection is absolutely relevant for anyone who needs to work for a living…which is ALL of us!

Home, sweet home! There is no place like it. Home is where the heart is, where laughter is shared, where memories are made. Being home is being happy. Losing one’s home is one of the most unsettling things that could happen to us, exposing our family to the risk of being on the street. And yet, on a daily basis homes are repossessed and home owners are evicted. Mortgage arrears are among the primary reasons for repossessions. The untimely death of a partner or a parent can often make it hard for loved ones left behind to keep up with mortgage payments. Such life changing moments make mortgage protection relevant and necessary.