"Tragedy really does strike in an instant and it can be debilitating, financially and emotionally," says Andrew Merryweather, the survivor of a brutal assault that rendered him disabled at the age of 24. It is almost a decade since the attack and Merryweather lives with just one regret: he had neither insurance for disability nor income protection. "It has put tremendous pressure on my immediate family, and my journey would have been easier had I had good financial advice," he told delegates at the Financial Planning Institute's recent annual conference. At the time of the assault, Merryweather was working as a restaurant manager in Camps Bay and studying law. En route home from a night out partying with a friend, they stopped to get something to eat at a petrol station, where they ran into some drunken youths. A fight broke out in which Merryweather was knocked unconscious. When he regained consciousness, he was being kicked repeatedly in his side, but couldn't feel his legs. "In a...

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