Death & illness are not subjects that are pleasant to think about and we can be pretty good at trying to pretend it will never happen to us; but I'm sure you'll know friends or relatives who have been affected by illness or premature death. Premature death or illness will affect your ability to earn money, and so affect your families future happiness.

Spending just an hour, or so, to make sure you have a back up plan so that you don't lose everything should the worst happen, we guarantee, will be time very well spent.