According to the findings of the 2019 ASISA Life and Disability Insurance Gap Study per the ASISA website (www.asisa.org.za) there is a R34.7 trillion Total Insurance Gap in South Africa. This means that, with the loss of life or disability of a family member, the emotional trauma is exacerbated with a severe financial burden on the dependants. A proper Financial Needs Analysis is the first step to understanding your financial needs in the case of a risk event, and towards planning for retirement. It will also show any shortfall (or gap). I provide this analysis for my clients, and empowered with the information, we discuss solutions to ensure that their dependants are well taken care of in the event of tragedy striking.