This week I’m sharing my top tips on how to make insurance simple.

All insurance can be complicated – especially insurance that covers your expenses if, for whatever reason, you find yourself unable to work, through illness, for example.

With that in mind, here’s top tip number four:

 

 

 

4. What does your employer offer? If you are enrolled in a company pension scheme, for example, you might have a ‘death in service’ benefit that pays out to a named benefactor if you die. It’s worth checking how much this is worth and how long it is valid for. Do you need to take out a new policy to top it up or extend it beyond its current deadline? Also look at any sickness benefits your employer pays – would they cover your monthly bills?