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Why do I need Life Insurance?

If you have a partner or family that depends on your income, you may need life insurance to make sure they can cope financially in the event of your death.

Points to consider

Could your partner or family afford to:

• Pay the mortgage or rent
• Buy food every week
• Pay the bills every month
• Keep the car running

If you die without life cover

Your death can lead to very serious financial implications for your partner if they are a house wife or husband. Their full time job, even though it's unpaid is to look after the children and family home.

If your partner died, who would look after the children while you were at work? You may have to reduce your working hours to spend time taking care of your family or even hire someone to do it for you which would increase the financial stresses.

How life insurance can help

In the event of a death, having life insurance cover in place can reduce all the financial stresses by getting cover to:

• Pay off your mortgage
• Protect your family's future
• Cover any outstanding debts - loans or credit cards
• Cover your funeral costs
• Pay for your children's education

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