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  • Insurance question. Life assurance, critical illness and income protection. How much of this am I supposed to have?

    My employer covers life assurance, which would cover approx 55% of our joint debt should the worst ever happen. I'm guessing I should take out additional coverage so it would cover the lot?

    Critical illness and income protection. Never given these any thought before but the broker wants to sell me some. Are wise people supposed to have all these things? 30 something male with no pre-existings and stable job for 9 years now. Has been known to fall off his bike.

  • My view on those was "do I have enough savings to live off for at least 6 months and possibly longer if I can't work". If the answer to that is no then you probably want to consider some insurance.

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