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People generally accept that they need life insurance once they have a mortgage and responsibilities. Obviously it makes sense to cover the amount that you would owe on your mortgage on your death, so you need cover for the length of your mortgage, but have you thought this through?

It’s all very well knowing that you leave your dependents mortgage-free, but it doesn’t stop there. There may be other debts which you have taken on and these would need paying too. Then there are the costs of keeping your dependents without your income. If you haven’t allowed for this in your calculations or provided money from another source, they’re surely going to struggle after you’re no longer around for them.

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What would happen to your family if you were no longer around to support them? Once you have a mortgage to pay, life insurance comes to your notice and most people arrange some cover at this time. This should be increased as other events occur in your life - the arrival of children, trading up to a bigger property or even a second home. But there’s another form of insurance, which doesn’t only pay out on your death - and that’s critical illness cover.

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With dental insurance you have a large degree of flexibility and often the most popular aspect is that you can choose your own dentist. It’s possible to claim for any treatment that you need, whether it’s been carried out via an NHS dentist or one who works privately. Usually you’ll need to pay up front for any treatment and then re-claim the money from your insurer. You’re not normally required to have a dental check-up before taking out the insurance.

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Healthcare reform is a hot topic right now, with passionate opinions on both sides about how to better reshape our healthcare system. However, most people agree that something needs to be done about healthcare costs. An astounding number of Americans have critical healthcare needs that go ignored simply because of treatment costs.

People with disabilities, in particular, have many health issues and often find it hard to receive the right kind of treatment. Some of those with disabilities qualify for Social Security Disability Insurance, or SSDI, which provides them with a regular monthly income as well as medical benefits. One key benefit of SSDI is eventually receiving Medicare benefits. But people must wait 24 months after their entitlement to SSDI to receive Medicare. So what happens if you need money for healthcare now and can’t wait two years?

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