You and your family are unique – and so are your insurance needs.

There is no set amount of insurance everyone should have. The amount you may need is calculated based on a number of factors, such as:

• Income – how much you earn today (and tomorrow!)
• Dependents – do you have children or other financial dependents?
• Debts – do you have a mortgage, loan or other debts?
• Assets – have you accumulated any assets over the years, like property or shares?

To understand your needs, our financial adviser will ask you some questions, so it’s time to start thinking about the future:

• What does the future look like for you and your family?
• What plans are you making together – that you don’t want to have to break due to finances?
• Do you have plans to put your children through university, take holidays or buy an investment property?
• How much does your family’s lifestyle cost you each month – bills, mortgage payments, kids activities?
• Do you have savings that you could easily access if you needed them?

Once you’ve started painting the picture of your family’s future and the costs involved in raising a family and reaching your goals, you’ll start to get an idea of how important insurance is to cover those needs!