Ravi and Deepa wanted to make sure that they'd done all they could to protect their family.

Ravi and Deepa want to be sure that their insurance covers them – and their two teenage children – should things go wrong. They decide to review all their insurance policies to see if they are up to the job.

Self-employed Ravi is the family's main wage earner. If, for any reason, he couldn't work, then the effect on the family finances would be considerable. Deepa does work, but her part-time income won't be enough to cover the mortgage and all the family's expenses.

Ravi decides to get income protection insurance as soon as possible. This means that he'd still receive a monthly income if he had to stop work for a while because he was sick or injured.

Although Deepa thinks it's a bit ghoulish, he also going to look into life insurance. Ravi tells her not to be so silly. As he says, 'if I die suddenly, I don't want you and the children to be burdened with a mortgage that you can't pay'.