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Just checked my life insurance and was surprised to see it covers me if I'm brown bread but not an injury etc.
Do I need to go with those specific mortgage cover/redundancy policies (that cost a bloody fortune)?
Can't you bolt on injury?
No - LV wont allow
I've got a sickness/injury policy that covers me until retirement age which is cheap (think it's legal and general, will need to check).
It's not a lot of cover (£2k a month), but it's only £25 a month and provided you keep up policy contributions it will cover you for as long as you're unable to work. A friend of mine broke his neck a few years back and is paralysed. It was that event that made me take out the policy.
I'm lv and pretty sure I'm covered
Check- Ive been with them 4yrs, checked on the off- chance. Nope. Only life (i.e death) and critical cover not injury.