Hi, its good to see someone looking into insuring the thing that is more likely to happen to them than dying. Most people take out life assurance for obvious reasons and that is quite right but you are more likely to have an accident or illness that will keep you off work for a period of time than having a quick death. As an ex financial adviser I always used to promote ilness/accident cover as well as critical illnees cover, but as its more likely to happen the premiums are higher and so puts people off. There will be an IFA to provide some sound advice along soon, cant remember who but I believe there are a couple of good guys on here somewhere.
