Income protection, or permanent health insurance can be used to bridge the gap between when your sick pay or emergency funds are exhausted to keep you going during periods of prolonged illness taking away your income. Up to 50-60% of your gross pay (but paid net) can pay out until, you are better, die or reach retirement age, whichever comes first. This type of cover as part of a co-ordinated strategy can really help to cover all the bases and we will gladly assist with that.