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Step 1 - Life is no game show. An event like a major illness causes emotional stress and that's the last thing you want when dealing with financial worries. This is especially the case if you have debt. Ask yourself these questions and establish your risk rating.



1. Do you regularly exercise?

Yes
No

2. Do you smoke?

Yes
No

3. Is there history of illness in your family?

Yes
No

4. Do you have private health insurance in place that at least covers surgery?

Yes
No

5. Is your occupation considered high-risk or do you participate in hazardous sports or hobbies?

Yes
No

6. Do you have an emergency fund or cash reserves of two to three months expenditure handy?

Yes
No

7. Do you have a plan in place which will pay debt* in the event of your premature death?
*credit cards, personal loans, Hire Purchase, Tax, outstanding accounts and mortgages?

Yes
No

8. Not withstanding the emotional impact, have you considered the financial impact a critical illness, injury or total disablement would have on your income and your ability to further your career?

Yes
No


It's important not to overlook your human value, your ability to earn, pay bills and simply 'keep' what you've worked hard for, during what could be difficult times.