When you have a family, your life changes. Instead of thinking only about yourself - you're dedicated to look after your family and their requirements.
Your days become busier and your salary has to stretch further. Like many busy parents you may take your health for granted while caring for your family, however it’s wise to be prepared for the unexpected.
Thinking about your dependants and who you'd leave behind, would they be able to cope without your income and have a secure financial future?