While most people consider it important to ensure their car, home and contents are insured, some pay less attention to how their financial security, and that of their family, might be impacted if they could no longer work because of illness, injury or death. Failure to plan ahead to ensure that you do have insurance – at the right level of cover to meet your needs if unforeseen circumstances arise – could result in additional stress and disadvantage. The most common types of insurance policies people consider include death cover, total and permanent disability cover and salary continuance cover.