How safe is your income?

If you think about it, your income is the foundation of your financial life: both your future goals and immediate needs depend on it. So, what would happen if you suddenly lost the ability to work and earn a living? How long would your emergency funds last for? And how would your family cope? This article explains how income cover works - when you can’t.

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Your life together: what’s covered and what’s not?

Are you and your partner planning a life together? The more your lives become intertwined, the more important it is to have open, honest, and often uncomfortable ‘money conversations.’

There’s a lot to discuss, and personal insurance – be it health, life, income protection or trauma insurance – is one of those topics. To get you started, here are some key things to know about insurance as a couple.

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Like to make your cover affordable in the long run?

Think of insurance affordability as a marathon. In a marathon, you don’t sprint all-out: you must sustain a pace to make it through. So, it’s crucial to ensure that your cover stays affordable for as long as you need it. But how, you may ask? It’s one of those cases where seeking advice is invaluable: an insurance adviser can help you understand your options and, maybe, even find out-of-the-box solutions. Starting with…

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Are you too young to get insurance?

It’s a question that insurance advisers hear often, and the answer is always the same: there’s no ‘right age’ to get personal insurance. Whether you need insurance or not depends on your needs today, and your goals for the future.

Before you put insurance in the ‘do later’ basket, now can be a good time to step back and look at the bigger picture. So, here are some good reasons to consider getting cover when you’re young.

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