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Just remember that as time goes on, your personal and financial situation changes. You might have more or less liabilities, an extra child, you have inflation to take into account and possibly improved salary/wages. For these reasons, it is vital that you review your insurance policies regularly to ensure that you have the best premiums and the correct amount of cover. Also remember that if you contact your insurer or broker, you may be able to set up an increasing or index-linked policy to offset inflation.

Income Protection Insurance provides a monthly income in the event that you are unable to work due to an accident or significant illness.

Most unemployment insurance providers now offer cover that can pay out for a maximum of 12 months or until a client returns to work.