Why do you need Life and Disability Cover?

Because you don't want to leave your family with mounting debt in the event of your death. Consider what you are financially responsible every month and then imagine how your family and dependents would cope if those payments weren't made. Now consider yourself. If you should become disabled what will happen to your earning potential. Would you be able to continue to do your job? While life insurance is the best you can do for your family, disability cover is the best you can do for you. Disability cover pays out a lump sum or a monthly income (depending on your choice of product) should you become disabled.