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If you are married, have children or family (parents, siblings, etc.) that you care about deeply and they rely on you financially, then you need life, critical illness and disability cover. Your family will suffer financially in the absence of your income.
Suze Orman once said: “If you have people that depend on your income, you need life cover.” No amount of money can ever replace a person or their ability, but having life cover can help to protect you and your family against life’s uncertainties.