I just want to say, I HATE those stupid ads with bad actors!!!

The worst one is "it costs less than my gossip mags" like she is some young desperate housewife!! Bah. LOL

Income protection insurance is a good idea, we don't have it but our loans and CC have insurance on them so if one of us (mainly my hubby) gets sick or seomthing, they pay the repayments for us...