A child makes it into this world and the parents are proud that they have provided for all of its needs……..Or have they?

We live in a material world. As the child grows, so will the expense. Clothing, sports equipment, bicycles, music and so on. You need to incorporate this expenditure into your financial plans now to avoid disappointment in the future!

What if one or both of the parents becomes ill or dies? Will those who are left to care for the child have financial security?

School and university seem such a long way in the future, but a private education and university fees can be very expensive, so it pays to think about providing for these costs now.