Is it wrong to want to look after and take care of our family? Is having a plan of action in place in the event something unfortunate had to happen so unheard of, or are people just not that worried about it anymore, for me I’m all about being prepared.

This doesn’t go to say that I have all the answers or that I have a solution for every situation thrown at me, but I do try my best to be on top of things, and not just the ‘over’ sun screening when my kids are down the pools in the middle of summer.

My husband and I have many policies and protection plans in place to take care of and support our kids if one or both us, touch wood, were to pass away while they’re still young.

I dread the thought of them having to deal with something like that at any age, but to have the burden of how to take care of it financially thrown into the mix is unfair, and one I wouldn’t want for anyone who has just lost someone.

We don’t have all the answers, we can’t see into the future but we can try to be prepared for it, read up on PolicyReviews and see the benefits of having a safety net in place and the options you have available to you to get you started on your insurance journey.

How to choose insurance

To start you will need to think of and consider whose all involved, who will need taking care of and collaborate this with your available budget, this combined with your needs will give you insight into what features you should be looking for in specific companies.

A great option would be to speak to your employer, many companies have medical and insurance cover they contribute to employees as a tax incentive and as an added help for you, win-win.

If your firm does not offer such a perk there is still the option of going private, while this may increase your monthly contributions, can you put a price on the lives of your family? There are payment plans, high-interest investment options, and basic starter levels you can look into in the beginning, and build from there.

The plan you have in place may cover you for emergencies and any hospital trips that could pop up expectantly, but try not to use it for medicines. There are government-run clinics in most areas, and if you ask your local pharmacist they should be able to assist you with a generic, less-expensive version of the medicine you’re taking or needing. Save your money.

What to look for in an insurance company

• Any reputable company will be on the first page of company search results, the features they offer will be many and of quality, they will be experienced with years in the trade and have the satisfied customer reviews to back them up.
• Customer service. This was a big factor for me when we were opting for our cover plan, if the business you are looking to use can’t treat you as their most important client and listen to your needs, then how do you expect them to take care of your family if you aren’t there?
• One reason why many people don’t have any cover, the companies they looked into were either unreasonably priced, did not offer an alternative arrangement to implement some sort of cover, or were too busy to take on someone who might not be a high-flyer but doing the best he can to take care of his loved ones.
• Multi-discounts. Offering you a lower rate if you opt to choose added features or policies with them shows they are eager to keep you as a customer and that they have options for all situations you could benefit from.

Many people are going through the same decisions as you are, some of whom you can read their stories about here, and see you are not alone in this when it comes to being overwhelmed.

The key is to take your time and do your research, the fact that you have taken this step, to begin with, is one your family will appreciate more than any money could offer.