What happens to your loved ones in the event of your death or illness?

What protection does your family need in the event of your illness or death? 

This article was first published in the Irish Times on Tue, Jan 27, 2015

http://www.irishtimes.com/business/personal-finance/what-happens-to-your-loved-ones-in-the-event-of-your-death-or-illness-1.2080059