As life stages change so do your risk needs

WHAT IF THINGS CHANGE?

A change in your life circumstances will change your financial needs,whether it is Marriage, Birth of a Child, Career Change or Retirement 

​Click on the Tab below with a lifestyle change that might be on the horizon ,to see what your financial needs may be.

• MARRIAGE
• BIRTH OF CHILD
• CAREER CHANGE / START BUSINESS

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1. You die ,will your partner survive financially?
2. You're disabled ,can your partner afford this and replace your income?
3. You become severely ill, can your partner afford this and pay debt ?

1. You die ,will your partner survive financially?
2. You're disabled ,can your partner afford this and replace your income?
3. Your child is born with special needs, can you afford treatment?

1. Does your new employer or business offer group, death, disability, and severe illness protection?
2. You or a business partner dies or are disabled, is your shareholding protected?
3. Your business / salary grows, do you have future cover to ensure future insurability? 

• RETRENCHMENT
• DIVORCE
• LIFE CHANGING EVENT IN FAMILY
• RETIREMENT

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1. Has your financial plan changed?
2. Have you replaced your group benefits?

1. You die, what about your children's education or maintenance provisions?
2. You're disabled who will look after you and pay your increased debt?
   
3. You, become severely ill do you have enough funds to take time off work and pay debt?

1. A loved one becomes disabled in an accident. What if it was you or your partner?
2. A family member is diagnosed with cancer. Are you and your partner protected financially against severe illness?
3. An extended family member has passed away. Do you have cover for future funeral expenses for you and your family

1. Have you replaced your group benefits?
   
2. You're disabled, can you afford frail care?
3. You die, can you pay your estate fees?

Source: Old Mutual