Faced with such an uncertain world, life cover and income protection are essential if you wish to protect yourself and those you love from financial hardship should you suffer a serious illness or even death.

There are many types of cover and so many differences between them that it can seem difficult to work out which one suits you best.

If you are looking to put some money aside, here are some of the tax-free and tax-efficient saving and investment options that would be worth considering.

Foresters Friends community members tips and guidance on what parents and parents-to-be can do to make their money go further when it comes to their children.

Have a Happy Christmas! - Keeping within your festive season budget

The Next Step - Other alternatives to university for school leavers

Blooming Marvellous - Follow our gardening calendar for 2012

Tracing Your Roots - Family tree can help you better understand your health

Download our Winter 2011 version of Miscellany and keep up to date with the latest social and fundraising events held throughout the UK.

Golden times - Planning your fun and finances after retirement

Watching the pennies - How to plan (and stick to) a budget

Will Power - Our no-nonsense guide to wills

Bring me sunshine - Can the sun actually be good for your health?

Download the latest version of Miscellany and keep up to date with the latest social and fundraising events held throughout the UK.

Come rain or shine - How Foresters' savings plans can help you put money away for rainy or sunny days

Ethical Savings - The rise and rise of investing ethically

Spring into action - Shape up your life with our money-saving tips

Home comforts - Protect yourself, your family and your home with our help

A brighter future - How to give the next generation a financial head start

The money game - How to claim what you're entitled to

Cut your car costs - Put the brakes on expensive motoring

Saying goodbye - What to do when someone you love passes away

Save for the summer - 10 ways to have a little extra cash in your pockets

Smoothly does it - The benefits of mutual With Profits Funds

Brilliant Blightly! - Fantastic holiday destinations, right on our doorsteps

You are what you eat - Eat your way to a healthy life

Smarter Saving - Why it pays to invest in your future

The next generation - Members talk about investing in their grandchildren's future

The good life - It's great being green fingered

Spring clean your finances - Treat your bank balance to a good makeover

In the hot seat - Our members reveal their financial resolutions

Actions speak louder - Get active and feel younger!

Saving for children - Teaching the younger generation about money

All about ISAs - Our guide to tax-efficient savings

Golden Years - How to make your money work in retirement

Know Your Rights - Fight back with our guide to consumer rights

Foresters Friends - Introducing our new social networking website

What's In a Name - How to protect yourself against ID theft