In the UK, every year there are about 1,000,000 Life Insurance policies sold, about 500,000 Critical Illness Insurance policies sold and just about 100,000 Income Protection Insurance policies sold. The question that is being increasingly asked especially by organisations such as the Protection Task Force is should the skew be not the other way around.

There is a lot of legitimacy in this challenge as after all losing income due to either redundancy, accident or sickness is more plausible in one


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