Your goal

Start with what your family would need the money to do.

Before comparing life-insurance products, map the borrowing, income replacement and other family costs you would want covered.

A sensible route

What to work through

  1. List mortgage and debts
  2. Choose an income-replacement period
  3. Add other lump-sum family needs
  4. Subtract cover and savings already available
  5. Get advice on product type, term and ownership when ready

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Professional options