Having a life insurance policy is a sensible and proactive decision to make as it protects your family and lets you leave them a non-taxable amount at the time of death.

Here, Nub News partner, Greenacre Financial Services, explains the value of providing this financial lifeline to the bereaved.

Greg Stanworth, of Greenacre, said: "This financial support can help to cover your mortgage and your personal loans, such as your car loan.

"At a sad and over whelming time, you can have peace of mind that your loved ones will be protected and not inherit your debts.

"Depending on the policy you choose, life insurance can also pay out if you become disabled on account of an accident and are unable to work."

Importantly, he said: "Your individual life insurance plan follows you when you retire, and you are no longer insured by your employer."

Greenacre Financial Services is a Nub News sponsor. Without community-minded partners like Greenacre we would not be able to produce the locally-relevant news to the people of Richmond and Twickenham.