You are probably aged between 25 - 35, you are recently married or in a long term relationship.  You rely on income to give you control and security, and you value your independence.

Children are on the horizon, in your first home with high mortgage repayments, little equity in your property, with possibly DIY renovations to do to the home.

What is at risk?

Your current lifestyle and that of your spouse could be effected.  You need income to meet your ongoing mortgage repayments as well as other debts.  Your future earning potential could be reduced.

What might happen?

There are a lot of risks you have probably never considered such as: being diagnosed with cancer, havig a car accident, injury while doing home renovations.

What are the consequences?

If something happens, the plans you and your partner have made could be in ruin. If you are unable to make the mortgage repayments you could be forced to sell and enter the rental market.  Your partner's income may not be able to support all family needs. You may be unable to earn any income for the rest of your life.