Whether you are a self-employed person or you work for a multi-national company, protecting the income you earn should be a major priority. State unemployment benefits are unlikely to cover all the financial needs of you and your family. Taking advantage of the plans that provide cover should you be made redundant or suffer other unexpected gaps in your income may make it possible to maintain your living standards during a difficult situation.

Planning for your retirement is equally important. Although many employers offer a pension scheme, you must ensure that it will provide sufficient income once you have retired. Although there is currently the safety net of State pensions these are perceived as low in value and could even dwindle before you retire.

This section focuses on planning for changes in your employment position. It has been designed to be easy to understand and includes guides and quotation facilities.