Life is full of uncertainties. Death comes, incapacitation may knock in. When you face life’s misfortunes, it is always your primary wish to have your dependents covered.

Life is full of uncertainties. Death comes, incapacitation may knock in. When you face life’s misfortunes, it is always your primary wish to have your dependents covered.
It’s incredible how much kids learn at school. From the useful stuff like maths and science, to the stuff you maybe don’t want them to know that they learn from their friends! The general consensus amongst most parents and school …