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With the ex­cep­tion of he­li­copter pi­lot Om­phile, all the can­di­dates have ar­eas of their risk cover that they need to as­sess. Al­though many have life and dis­abil­ity cover, most do not have any form of crit­i­cal ill­ness cover, which can be in­cluded at a rel­a­tively low cost. For those with de­pen­dants, such as ru­ral de­vel­op­ment worker Dipolelo and fi­nance di­rec­tor Izimangaliso, they need to as­sess whether the cover they have is suf­fi­cient. For guest­house owner and en­ter­tainer Elz­abe, be­ing self-em­ployed makes the lack of dis­abil­ity and crit­i­cal ill­ness cover a ma­jor con­cern.

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