Income Protection insurance (otherwise known as loss of income insurance) provides you with an income in the event of long term sickness.
This is, perhaps, the most important insurance everyone who works should have (unless you are lucky enough to have a workplace that are happy to pay you indefinitely when you’re off sick or a family that are rich and willing to support you).
Even Which? advertises it as the most important insurance for a working person.
Income Protection Cover provides you with an income should you not be able to work due to illness.
The state benefits are low, but you still need to pay your mortgage / buy your kids school uniforms / eat.