Whether through illness or an accident, you can become medically unable to continue working. This could also mean you lose your ability to generate an income. By adding sufficient disability cover to your plan, you will ensure that you have enough money should this happen to you.

What expenses should you provide for over and above income?

• Make sure that your basic life expenses are covered - for example, your debts and your children's school fees.

• If you end up in a wheelchair, you may need to adapt your home and your car to improve your mobility.