are you protecting you and your family?
tpd cover (total and permanent disablement)
what would happen if someone in your family died unexpectedly?
if you could never return to work ever, what would you do?
do you want to rely on the public health system and waiting lists?
your most valuable asset is your ability to earn your income. what would you do without it?
if you had cancer or a heart attack/stroke, how would this financially impact your life?