You are generally aged between 30 - 50, you still consider yourself to be young.  You are busy with children and trying to secure the dream of owning your own home.  Whilst independent, you now have dependants that rely on you.

Main priority is providing for your family. One partner may be working part-time or be home full time looking after the needs of children.

What is at risk?

Your current family lifestyle could be affected.  You need income to meet your ongoing mortgage repayments, general household and living expenses, as well as children's education costs.  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, having a car accident, injury while playing with the kids.

What are the consequences?

Income is no longer just about funding one's own life, it's about taking care of the whole family.  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 of the family needs. You may be unable to earn any income for the rest of your life.