Income protection insurance pays out a regular cash payment that replaces part of your lost income if you can’t work due to a medium to long-term illness or disability. You may need Income Protection if

• You are self-employed and have no source of income if you couldn’t work due to illness or disability
• You have little or no sick pay from your employer
• You have dependants who rely on your income
• You have no other source of income or money
• Illness or Disability Benefits would not be enough to cover your normal expenses