If life and work are ticking along, you’ll be so focused on your business that the last thing you’ll be thinking about is what would happen if you couldn’t work.
However, the best time to think about the spectre of illness or injury, is while you are healthy. The healthier you are, the cheaper insurance premiums are going to be.
But do you even need insurance? Let’s look at income protection, how it works and whether you should get it.