All us worry about our Health, in particular, what would happen if we were unable to work through injury or illness. How would we be able to pay the bills, gas, electricity, water rates, council tax, it all adds up, also, could we meet our monthly mortgage payments. Over half a million people are killed or injured each year as a result of accidents, many more suffer temporary or permanent incapacity following illness. The stress that an Accident or injury can place on a family is incalculable, the loss of income of the breadwinner coupled at the same time as the drain of the resources on the family trying to support him or her…

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