Insights

Protection

Insurance starts with the obligations your household would need to cover. Separate income replacement from investments, then review exclusions, existing cover and the policy terms.

Prepare for a risk assessment

How much term insurance do you actually need?

Enough to clear what you owe, fund your household for the years it would need, and cover any education you have already committed to, minus what you already hold. Multiples of salary are a quick shortcut; the obligations method is more defensible because it starts from what would genuinely have to be paid.

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