When you think about what might happen if you have serious illness, major injury or died, the tendency is to look at yourself and family first, and rightly so. The reality is that a major illness, disability or premature death rarely affects just one person. The financial and emotional consequences

Does my insurance reflect the real cost of my family’s lifestyle? Life insurance decisions are typically framed around repaying debts and replacing income. With income central to the conversation, it’s important for families to know what it costs to maintain their normal lifestyle and how long those costs would need

By Andrew DaviesDirector and Insurance Adviser — Tidal Life & Health Insurance Running a successful business often depends on one or more key individuals whose skills, knowledge, relationships and role in the business are essential for daily operations, strategy, sales and technical expertise. But what happens if one of those