If you are buying a business or franchise, as well as ensuring that you have sufficient life insurance in place, it is also a very good idea to have protection against loss of income due to long-term or terminal ill health, accident or disability.

There are a number of companies offering a range of specialist policies whether you are a sole trader, in a partnership or you have a limited company.

These products will be able to provide you or your family a level or increasing income in various eventualities should you be unable to work.