By the time Nick Rolfe was 30, he'd claimed twice on his income protection cover to support him through two major medical issues. He shares his story of why he took out life insurance early, and how the financial support it gave him meant he could focus on recovery, rather than stressing about money.

Trauma insurance offers you cover if you suffer one of the specified illnesses or injuries in our policy - and if you have a claim accepted you can do whatever you need to with the money.

If you're buying life insurance, there are two types of premium: level and stepped.