At a financial review meeting some years ago now, Scott was advising me about Life Insurance, Critical Illness, and Income Protection. At that time I was fit and healthy and told Scott that the least important area for me was Income Protection. My reasoning for this was that I was never off work. Scott told me that this may not always be the case in future. I took his advice, and 7 years later had to finish work well short of retirement age due to long term illness Due to Scott’s advice I had an Income Protection policy that pays me a yearly tax free amount up until I am 65. Thanks Scott - My wife says thanks also!