If you've been in the property market for a while, you've probably benefited from a significant increase in the value of your home.
Generally speaking, that gain has come from your ability to keep making mortgage payments — and from making the purchase decision when you did. A $400,000 property that's now worth $600,000 represents $200,000 in capital gains.
But how long would that capital last if your income was reduced or stopped altogether because of illness or injury?
Let us review your situation and make sure the assets you've worked hard for are protected.