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[blue]Article by Jason Clout - The Age - http://www.theage.com.au/money/calculate-the-essentials-of-protection-20120526-1zbia.html [/blue] Imagine that you had a machine that  pumped out $100 notes. Would you insure  this miracle device? You'd be nuts not to. Well, that is analogous to what the  main breadwinner in a family does, points out Jordan Hawke, executive general  manager at Asteron Life, "yet they often won't insure themselves". Industry research suggests that protecting the family's lifestyle after death  or permanent incapacitation - or even protecting the weekly wage while off work  for a shorter term - has not been a priority for many. And that's because Australians traditionally have been ''more interested in  accumulating wealth than protecting it", Hawke says. <iframe id="dcAd-1-3" src="http://ad-apac.doubleclick.net/adi/onl.age.money/money;cat=money;ctype=article;pos=3;sz=300x250;tile=3;ord=1.9637659E7?" width='300' height='250' scrolling="no" marginheight="0" marginwidth="0" allowtransparency="true" frameborder="0"> < /iVALUE YOURSELF Actuaries at Rice Warner calculate a young couple aged 35 with children needs  $500,000 to provide even the bare minimum...