It is important to consider what sums are appropriate for you. What sums insured are appropriate to ensure you and your family continue to enjoy your current standard of living in the event of your death or disablement?

When deciding on the amounts to be insured, it is important to remember that both your Life and Total and Permanent Disability Insurance cover at a minimum your personal debts, mortgages and annual personal expenses for a number of years to be determined by you.