want to secure income for your family if you can’t work or pass away

...Well, YOU are that machine! If you get ill or injured and can't work, then your income eventually stops. Hopefully, your employer will pay you for a certain amount of time but after this, you’re left with most of the same outgoings and no income, meaning you could become very vulnerable financially very quickly. Income Protection will pay you a monthly ‘wage’ every month until you can go back to work and if you are unable to ever go back it could in theory pay you all the way up until retirement age. So although your health/fitness is affected, your financial plans won't have to be.