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It is easy to joke that you don’t care what happens to your assets after you die.

But if you care about your loved ones, it can be far less stressful on them if you leave clear directions on how you would like things handled.

What is insurance? - Insurance is a form of protection - a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income.

Not only the victim suffers when a critical illness occurs; such a situation has serious repercussions for the entire family.

Thanks to advances in medical science, survival rates from a serious critical illness continue to increase, but the direct medical costs and associated financial impact are significant.

Romance blooms at any age, including as we get older and supposedly wiser about such things of the heart, and head.

Here we dispel some common myths about life insurance to help you make informed decisions about your cover.