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Income Protection
Most families and households budget their spending each month based on their income, but what would happen if you lost one income because you couldn't work because of an accident or sickness?
Would your extended family be happy to subsidise one income for years to come, or would you have to sell your property to maintain your lifestyle?
Income protection could give you an income until you return to work, or until you retire, depending on the severity of your sickness. If you get sick pay through work for 6 or 12 months, you can have a policy that will start after this time, to ensure your monthly premiums are kept at a minimum too.