If you’ve protected your debt – in most cases your mortgage  - you need to give serious thought as to what extra cover your family will need. Most families keep track of their finances through a monthly budget and to maintain this standard of living a minimum regular income is required.

Determining this amount and subsequently the level of protection you require can be the cause of much conjecture and too often people under or over protect themselves, paying premiums that are either inadequate or excessive. Talk to one of our Openwork advisers, who can provide face to face advice on the appropriate level of cover so this standard of living can be maintained.