• Britannia
  • Financial protection for families
  • Financial protection for wage & salary earners

Insurance through the decades – here’s what you need

Throughout our lives, we go through a number of changes. And along the way, our Insurance needs change too. So here’s a guide to the most common Insurance types at every life stage.


You’re young – why would you need insurance? The reality is, there may be quite a few reasons.

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Income Protection or Trauma Insurance: which is right for you?

At first glance, Income Protection and Trauma Insurance may look very similar. After all, both are designed to protect you financially if you’re sick or injured. But if you get past that first impression, you will realise that they provide very different types of cover.

So, which works best for you? To answer this question, let’s dig deeper into the differences.

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Why should 20-year-olds consider Insurance?

Your 20s are a decade of ‘rinse, wash and repeat’ transformation. A new job, your own car, a roof over your head, increasing everyday expenses, and maybe a young family to take care of – you may feel that your life is going from zero to 60 in the blink of an eye.

With all these changes happening at once, now might be a good time to ask yourself, “Do I need Insurance?” Here are some important things to consider.

You are worth protecting

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Are you under-insured?

Are you under-insured?

Susan and daughter

Most of us don’t realise we’re under-insured until life throws us a curve ball and we need some cash, at which stage it is too late to change what we have.

This was the case for Susan (not her real name) who was only in her mid-30s with three young children when her husband unexpectedly died.

She received a small life insurance payment but faced an uncertain future when she realised their policies hadn’t been updated in a decade and they had been woefully under-insured.  [Read more…]