What families usually miss
Protection is often bought once and then forgotten. But income changes, debts change, children arrive, and employer benefits vary. What looked fine years ago can quietly become too little, too much, or the wrong type altogether.
Income protection matters more than most people think
People worry about death because it is obvious. In practice, long-term inability to work can create the bigger planning problem. That is why the right protection mix needs more thought than simply buying life cover.
Protection should fit the wider plan
Mortgage size, emergency cash, pensions, business responsibilities and future goals all affect how much protection is sensible. The right cover level is a planning question, not just an insurance question.