The right insurance policy depends on your responsibilities, assets, health, income, dependants, location and risk exposure. Start with the financial loss you would struggle to manage without protection.
Identify your priority: family income protection, medical expenses, vehicle and property protection, personal accident risk or another specific need. Then decide the amount of cover and the period for which protection is required.
Compare premium, benefits, exclusions, waiting periods, deductibles, limits, renewal terms, service support and claim conditions. Read the policy wording and illustration carefully, and distinguish guaranteed benefits from benefits that depend on conditions or performance.
Good insurance planning is an ongoing process. Review protection after major life changes and seek appropriately qualified guidance when you need help understanding your options.