You are most likely to have a family that is financially dependent on you. You have debts personally and/or in your business and your family’s financial security would be compromised if you couldn’t earn an income due to unforeseen circumstances.

A comprehensive plan to address:

• Permanent loss of income
• Death and disablement
• Trauma events such as heart attacks, cancer etc
• Keyperson and buy/sell risks within your business
• Structuring of policies to ensure policies are held correctly and distributed how you want it

I need to learn more and receive professional advice.