You only have to open a magazine, turn on the TV or log onto the internet these days, to be bombarded with self-improvement adverts telling you which areas of your life you need to ‘correct’ – usually with the help of a product somebody is trying to sell you.

With so many conflicting messages telling you to sort out everything from your hair, body, health, fitness, fashion, hobbies… it’s overwhelming to know where to start and difficult to tell which areas are truly important, as opposed to which products have the biggest marketing budget.

If you know you want to make some positive changes in your life but don’t know where to focus your efforts, it makes sense to start with the important ones – changes that could actually prolong your life and reduce your risk of ill health.

So, which are the parts that really matter? How can you tell what’s important as opposed to what somebody wants you to believe is important just because it helps them sell you products?

Let’s take a look…….

It often seems like you can barely get through the day without one company or another screaming about the ‘fact’ that you desperately need to buy their ‘stuff’.

Trust us, we know how annoying that gets, which is why we like to be honest about whether or not you actually need our products.

For most of our customers, life insurance is the best way to continue to provide for, and support, their family when they’re no longer around to do it in person, but for other customers, we’d rather be upfront and say it’s just not something you need.

Surprised to hear us say that?

When you get the opportunity to catch up with your partner after a long day, chances are the conversation naturally drifts towards the children: “How have the kids been today?”, “What did they get up to in school?”, “Are you ok to drop them off tomorrow?”…all perfectly mundane topics of conversations between parents.

“How are you planning to look after the kids if I die before you?” is less likely to crop up, but it’s something you need to discuss.