You work hard to build wealth and support your family and your lifestyle so it’s important to have a back-up plan in case of accident, illness or even death.

While it’s easy to think it will never happen to you, it makes no sense to build wealth and not protect it. After all, if you died or were unable to work for a long period of time who would:

• pay the mortgage or rent for your family
• support your family
• support you?

There are several different ways of protecting your money, and the strategy you need depends on where you are in your life. You might want to protect your income, your ability to earn, or the nest egg you’ve built up, and ensure that your affairs are in order should the worst happen.