Does everyone need life insurance? Is the policy you’re paying for through your super fund enough? Deciding what sort of personal insurance is right for you and how much cover you need takes time and asking the right questions about your individual situation.

With the amount of borrowings people have, together with a lack of savings, most Australians have no wealth cushion to fall back on if an unexpected event reduces their income – either temporarily or permanently.

Knowing you’re covered for what life has in store can really take a load off your mind.