Needs analysis

Know what you are protecting.

A clear figure for income, a family, or the cost of a serious illness, so the insurance matches the life it is meant to look after.

• Life insuranceIncome, a partner, children, debts, and what you already have.
• DisabilityMonthly income you would still have, against the expenses that still have to be paid.
• Critical illnessCosts of an illness, income you would lose, and assets you could use.