A good way to work out whether or not you need income protection is to ask yourself:

• Do you (or others) rely on your income to pay for essential, everyday living expenses – like your rent or mortgage, bills and food?
• If a health problem stopped you from being able to work and earn money, would you be able to keep up with the cost of life?
• Do you have any sick pay that could keep you going if you were too ill or injured to work – and, if so, for how long?
• Do you have any savings or other assets you could rely on – and again, for how long? And would you want to rely on them?
• Could you cut back temporarily to reduce your household’s expenses while you’re unable to work?