There’s you. There’s your partner. Your children. Perhaps their children, or not yet if you have a young family. There’s your parents. There’s your siblings. Your second family from your third marriage. And the list can go on. The inter-connectedness of you and others and the dynamic nature of your financial affairs is a tree with many branches.
As a younger parent, you’re likely concerned about your children’s welfare and what would happen if you were no longer around or too sick ...

The 'waiting period' is the time between you becoming unable to work and receiving your first income protection payment. You can generally choose a waiting period between fourteen days and two years. A shorter waiting period usually means a higher premium.

Because most disability events are temporary, insurance coverage for them is cheaper when the policyholder agrees to wait longer before receiving claim payments. For example, if you break a finger, it may only be 2 months before you are ab...

On 10th October 2006 I stopped smoking.

I owe my success of having successfully stopped and feeling like I'll never need to smoke again, to a number of things:

Smoking is one of the leading ...