Your needs are simple. You may have parents to support emotionally and financially, especially if they have retired and do not have much savings to see them through their golden years. At the same time, you don’t want to become a financial burden to your parents or siblings if anything unfortunate happens to you, such as disability, critical illness or hospitalisation.

Go through the various need stages that are most relevant to you. (If you have any outstanding mortgages, use the customisation tool for that need instead.)

• You are a person who prefers to keep things simple – click here.
• You are a person who prefers to have as much details as possible – click here.