insurance what type? how much?

Some people just want to know how much they need and what they need to do so they
can get on with making some decisions, while others want a bit more of an explanation
of what needs to be done and why. If you just want to get on with it then start on page
9 of this document, but if you want more explanation keep on reading.
Picture for a minute what the effects would be if the main income earner or the
primary carer in your home died or how you would cope financially if they become
disabled.
A strange fact is that many households don’t have enough insurance for their life, their
ability to earn an income, or their family home, yet possessions like cars, boats,
stereos and so on are fully insured.
Why is that? Our guess is that it’s either because we think death, accident or illness
will not strike us while we are in the prime of life or maybe it’s because we find it too
hard to understand the language of personal insurance.
Either way this workbook is designed to help you make the right choice about the
insurance you need so that if something goes wrong, you and your family don’t lose all
that you’ve worked so hard for.