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Millions of us across the world have insurance - whether it's life insurance, health insurance, cover for homes, crops or livestock. But is it money well spent? Have you paid your premiums, only to discover the insurer won't pay out when you make a claim? Or has insurance been a lifeline against an uncertain future? Your Money investigates.

Also in the programme, as some micro-lenders are accused of exorbitant interest rates and aggressive debt recovery tactics, we'll ask whether micro-loans are a good way to borrow money.

And loyalty cards - whether from supermarkets, airlines or mobile phone companies. Are they worth it? What's the best reward you've ever got from your loyalty card? Are they good value for customers or of bigger benefit to the companies that issue them?

How to make your money grow? What are your top tips for personal investing in Africa in 2013? Are you considering stocks and shares – or thinking about land? And what about government bonds? How risk averse are you? We'll hear from Aly Khan Satchu, financial and investment analyst and author of the book Anyone Can Be Rich. What personal investment questions do you have for him?

We want to hear your experiences and stories too. Email us at wsym@bbc.co.uk or use #bbcmoney to get in touch.