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I take on board Dazzling's comments and I agree that insurance companies are sharks in pretty dresses but I do know several people who have had claimed on their income replacement policies. The insurance companies don't make it easy for them, but, to be honest, I think that is fair enough...

This is a really important thing to check. My friend who has been on claim for more than 12 years had a policy that pays until she can do the type of work she was doing, in her own industry. There are policies that stop paying once you recover enough to do ANY type of work. Which could mean, if...

I know a lady who has chronic fatigue and has not worked for over 12 years. Luckily she had the rolls royce of policies (it was her industry so she bought the best). To me, it is a no brainer. If you require your income to service your commitments, you need to insure. Wylie