Question for the self employed here

Personally I don't though probably should because I can sell it myself! I only have critical illness cover which would pay out a lump sum should I contract one of the illnesses listed by the provider which is hopefully unlikely.

I'd be interested to see what others reply...

I don't, but then my income is peanuts compared to Mr FtG's, and we can live on his alone.

I don't for the same reason as Flowery the Grouch.

Yes, we have it. We woudl use it to pay for someone else to work if we couldn't.

I don't as its so expensive. If I could afford it I would.

Which insurance company do you use for this?

Argh, I can't remember. It's a group policy organised via our franchisor.

WFTGS

We periodically talk about this wrt Mr R-A but there always seems to be something more pressing to spend the money on or save for. He hasn't got around to sorting out his pension either... (head buried in sand much?...)

To be honest we could just about survive on my salary, I am the higher earner by some way, although it would definitely be tight. I have income protection which covers me if I am not able to do my specific job (not just 'not able to work' IYSWIM). It's definitely worthwhile having imo. I pay £35/month (employed) but obviously the amount varies to do with your income, level of cover, your health etc.