Life moments
Starting a family? Plan for the long run.
A baby changes everything, including how much your household would need if something happened to you. A few decisions now can protect them until they’re grown.
Questions worth asking
Before you decide anything.
- How much would the family need each month until the children are independent?
- Would childcare costs rise if one parent wasn’t here?
- Is a lump sum or a monthly income the better fit?
- Have we written a will and named guardians?
Tip: Family income benefit is often the most affordable way to replace a salary until your youngest turns 21.
Cover worth considering
Other life moments:
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No call centres, no scripts. Just a real person who’ll listen, explain your options in plain English and help you decide.