How would your family survive if the worst happened and you died tomorrow?

It’s a tough question, but it’s a good question to ask when you are taking out a large debt against your home, have other financial commitments or if you have a family. Often, people leave it too late to ensure that their home and family would be protected against the risk of death, and this can leave more than just emotional pain behind.

Life insurance generally pays out a cash lump sum if you die within the term of the policy. Cover is usually on a decreasing, level or increasing basis.