Check out what you’re already entitled to, it may be that your employer offers some form of protection cover. If they do, you need to consider whether this is realistically enough to maintain your lifestyle, or that of your family.

If you already have some cover, dig out the paperwork and see what it is you’re actually covered for. You might find that you’re not covered for as much as you thought you were, or that the type and amount of cover is no longer right for you.