Life and other cover

• Life cover pays your family if you die. It matters most if people depend on your income: children, a partner, parents. Term life cover is usually the cheapest way to get a large amount of cover.
• Last expense cover pays quickly for funeral costs so the family doesn't need a harambee.
• Property and motor cover protect what you own. Comprehensive motor cover also pays for damage to your own car, not just to others.

Avoid products that mix savings and insurance unless you understand the fees and what you get back if you stop paying.