You need protection 

The better sort of employer offers valuable benefits such as life insurance, sick pay and paid holidays, but now you have to pay for it yourself. Your priority is income protection, which pays a tax-free income if you can’t work due to sickness or ill health. This is vital cover, yet alarmingly few people take it out.

Don’t confuse it with that mis-sold monstrosity, payment protection insurance (PPI). Income protection is much better.

How much you pay depends on your age, lifestyle and state of health. Contact Southeast Financial Services for a free review.