Back pain and depression are the two conditions most likely to result in a prolonged period of sickness that keeps you away from work. Such illnesses are debilitating but not critical and therefore an income protection policy that pays out as an employers sick pay finishes or as soon as a self employed individual cannot afford to be earning, will ensure that the mortgage and key bills are paid. It cannot keep you healthy but it can keep you wealthy.

With a wide selection of products being offered it is essential to talk to an adviser to ensure the correct product is used.

To contact Alexander Calder for a free initial consultation, click here .