Recent research suggests that a large proportion of those in the UK feel that they would be unable to survive longer than three months should one of the main 'breadwinners' in the household suffer from a long term illness.

The protection provided by statutory sick pay is insufficient for people to maintain their lifestyle, given the fact that it is far below the national average wage.

For most, the best case scenario is to utilise savings to fund this income 'gap' in the hope that the illness is only a short term issue. For those without an emergency cash fund the ramifications may be far more severe and potentially life changing.

Protection is available to provide an income in the event of long term illness, with features that can be selected to complement any benefits provided by an employer.

The question, therefore, is can you afford not to be protected?