You are generally aged between 18 - 29, you are gaining your financial independence and saving for the next best thing - either a car, an overseas adventure or your first home.

Your first priority is developing your career.  You have no dependants and have an active social and recreational lifestyle.

What is at risk?

Your current lifestyle as well as future earning potential could be effected.  You need income to meet your ongoing obligations and debts.

What might happen?

There are a lot of risks you have probably never considered such as: a car accident, a sporting injury leading to paralysis, or being diagnosed with cancer, or some other major health issue.

What are the consequences?

If something happens, all of your wonderful future plans could be in ruin. Your independence maybe gone, you maybe relying on parents again for support,you maybe moving back home, you maybe unable to earn any income for the rest of your life.