Different stage, different worry

No plan fits everyone. These three situations show where people usually start — coverage amounts and premiums are worked out for your own circumstances.

An umbrella sheltering a small model house from the rain

Single, early career

No dependents yet, income still finding its feet.

The real worry

One hospital stay or accident could wipe out your first savings.

Worth a look

Health and hospital coverage
Accident or disability income coverage
An emergency fund before any big policy

If you could not work for a few months, who pays the rent?

Ask about this stage

Young family

Little kids at home, expenses climbing every year.

The real worry

Kids get sick often, and the household runs on two paychecks.

Worth a look

Family health plan that covers the kids
Term life for both parents
Critical illness coverage for the main earner

If one of you stopped working, which bill goes first?

Ask about this stage

Main earner

Your income carries the house — maybe kids and parents too, plus a mortgage or car loan.

The real worry

The mortgage does not stop if your paycheck does.

Worth a look

Term life that lasts as long as the mortgage
Critical illness and disability coverage
A review of current policies and beneficiaries

How long would your family need to get back on its feet without you?

Ask about this stage

General ideas to get you thinking, not a recommendation for you. Benefits, conditions, waiting periods and exclusions are set by the policy and the insurance company’s terms.