Everyone should have a financial plan. Your financial plan should include your financial risks and your plan to mitigate those risks. If you earn an income disability insurance is one of the things you should consider in your financial plan. Lizl Budhram joins us to talk about this important topic. We cover the difference between temporary and permanent disability insurance, how to calculate the cover you need, and more. I hope this episode helps you make informed choices about the risk cover you need. Disclaimer: Old Mutual Life Assurance Company (South Africa) Limited is a Licensed Financial Service Provider. This material is not intended as and does not constitute financial advice  or any other advice and is neither exhaustive nor prescriptive. It does not take into account your personal financial circumstances. Your financial adviser will assess your financial situation and needs and assist you to draw up a plan to help you achieve your financial goals. The views expressed by the contributor are his or her own (as an independently registered financial services provider, financial adviser or other independent capacity), and not necessarily endorsed by Old Mutual (as a separate financial services provider).Join us on twitter for real conversations about family finances:@FamFinanceShow@DianaGranouxWebsite:www.familyfinanceshow.comSubscribe on your favourite podcast platform:https://podlink.to/FamilyFinanceShow 

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