You've worked hard to get where you are. But just how secure is your lifestyle? If you can't work due to incapacity due to injury or an illness, would you be able to cover your monthly living costs?
Although many people think 'It'll never happen to me', illnesses and accidents happen every day to perfectly ordinary people. Statutory sick pay is only around £80 a week, so unless that's enough for you to live on, you'd soon be drawing on your savings or struggling with the bills.
The good news is, Income Protection Benefit can give you a safety net as it can pay out a tax free income until you're well enough to get back to work or until your chosen retirement age if you do not recover. It could help look after your regular financial commitments such as bills, mortgage and your standard of living.