Plain English guide to CI crucial to closing protection gap

The New Year is often associated with an opportunity to get affairs in order and with bank balances feeling strained after weeks of festivities, financial affairs take priority. Taking stock of finances usually involves the painful process of thinking about what of your expenses are necessary, which are disposable and maximising value for money. The process almost inevitably ends with cutting out some luxuries and committing to save more.  It rarely ends with people saying they plan to buy something new. However, this may be exactly what we need to do - along with budgeting and sav...