In all aspects of financial planning it starts with having a solid foundation, which is based on looking at events in one’s life that would mean significant financial hardship and protecting against it.

We are talking about losing your job, through illness or accident or redundancy, becoming critically ill and unable to work and even passing away, all of these things are the worst imaginable, but better to be prepared and have plans in place to cover every scenario and in turn protect yourself and your family.