Because lives depend on it.

We'd like you to take a moment and sit down and really think what life would be like for your family if you died. Where would the money come from to cover the mortgage, school fees, running the car, credit cards, every day living expenses, such as food clothing, phone bills, gas, electricity and child care. Not to mention funeral expenses and other medical expenses that your health fund simply does not cover.

You may have money in a savings plan or investments. Perhaps equity in your home. But turning these into cash may mean your family having to sell assets, which could cause even more disruption at a time when they really need financial support and the time to adjust.