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It's good planning to consider what you and your family would do in the event that you could not work.
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Personal Finance

Former fund manager Nicola Horlick stopped investing in shares just before the credit crunch hit in 2007 and has not put a penny into the stock market since.
Which? takes a closer look at the Tymit credit card which claims to offer a new way to control interest on big and small purchases and save money.
Britain's biggest banks are preparing to sell risky mortgages and loans to millions of gig economy workers in an echo of the borrowing boom before the 2008 financial crisis.
Nervous investors are wondering which might be the next fund to close to withdrawals. Despite reassuring noises, few are immune to the dire state of British retail
Lloyds Banking Group came close to suffering a shock third-quarter pretax loss on Thursday after an increase in bad loans and a fresh 1.8 billion pounds provision for mis-sold loan insurance payouts.