• If you are self-supporting (employed or in own business) and you would never want to depend on charity. Perhaps you need Life Insurance.

• If you have people you support (dependants) and you would never wish to leave them without your support. Perhaps you need Life Insurance.

• If you anticipate future financial responsibilities, like paying school fees for children and you wish to guarantee that you will be able to meet that responsibility. Perhaps you need Life Insurance.

• If you desire to bequeath some inheritance to a loved one; a mother, a father or anyone you love: Perhaps you need Life Insurance.

• If business is your source of self and family income and you wish to guarantee that your investment will continue to support you. Perhaps you need Property Insurance.

• If you have some valuable items whose services you enjoy, like mobile telephone or household items and you wish to guarantee that you continue to enjoy. Perhaps you need Household Insurance.

• If you think that there is a risk of some people making a financial claim against you like employees or customers. Perhaps you need Public or Personal Liability Insurance or Workmen’s Compensation Insurance.