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Investments should normally be included as savings. You do not need to include life insurance policies which have not been cashed in.

The following are completely excluded from savings:
  • your home
  • your business assets
  • your personal possessions.
  • sale proceeds of your home for up to six months if you intend to buy another home
  • money from insurance claims for up to six months if used to replace or repair
  • any Social Fund payment
  • arrears of certain state benefits
  • certain compensation payments