We use these for an income protection policy that covers Accident,sickness and unemployment.
helpucover.co.uk/product/in … ion-cover/
For me and the wife it’s cost £19 a month which pays out £750 a month if either of us have a accident,are off sick or get made redundant.
When my wife got made redundant 3 years ago they were great and paid out £750 per month for 10 months without any issues,finally after 10 months my wife got a job that could work around our son who attends primary school.
The service was great and as stated about they paid us out £7.5k which covered her not earning,not all of what she earned but enough.