In recent months, I have supported several critical illness claims for clients in their late thirties and forties. It was a powerful reminder that serious health events do not always wait until later in life. Most people insure their car, home and travel without hesitation. Yet one of the largest financial exposures is often overlooked: a severe health event that disrupts earning capacity while lifestyle expenses continue. A heart attack, stroke, cancer or another major cover

Deciding whether you need life insurance is an important financial consideration that depends on your personal circumstances, financial...