The death or long-term disability of the household's earners would almost certainly cause a problem with maintaining a family's standard of living. The loss of a non-earning family member can also create problems to a family's finances and lifestyle as they often contribute in other ways such as childcare. There is also a need to ensure adequate protection against prolonged loss of income through ill health.

The insurances we advise on which may be appropriate in such circumstances include:

• Life assurance
• Critical illness cover
• Income protection
• Accident, sickness and redundancy cover
• Private medical insurance