Protection

The implication of being unable to work due to illness would be the loss of income leading to significant financial problems.  It is now essential to insure against the possibility of being unable to work through an accident or sickness by taking out a Personal Income Protection policy.

Employers may provide protection, but this is not likely to be long term.  State Invalidity Benefit will be available, but the benefit is unlikely to meet your living costs.

A Personal Income Protection policy will pay an income if you cannot work.  These policies should be a vital part of your insurance arrangements.