Life can be unpredictable. No one knows what the future holds for them. Imagine how your family would cope if you were to die prematurely or be diagnosed with a critical illness?

Life cover provides for your family if you die or become terminally ill but the need for protection doesn’t stop there. Advances in medical science mean that where previously people died from all types of serious illnesses, such as stroke, cancer and heart disease, more and more are surviving. And not just for a few months – often several years.

Surviving a serious illness can have just as big a financial impact on you, your family and your finances. Not only do you and your family need to come to terms with your illness, but you still have the mortgage and all those other household bills to pay. And if you’re off work, you may not have a salary coming in each month.

While many of us recognise the need for protection should we die prematurely, we often overlook the fact that we also need protection should we live.