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