1. No matter how much you plan for the future, you never quite know what’s around the corner. Take your health for example; it’s easy to take for granted when it’s good, yet it can change suddenly when you least expect it.

2. A recent study from Bupa has shown that four out of 10 managers have experienced depression as a result of being stressed at work Around a million people are affected by musculoskeletal injuries such as back or neck pain every year, resulting in 11.6 million lost working days a year Facing the facts Company car drivers in the UK are 49% more likely to be involved in an accident than ordinary drivers

3. The effects of ill health aren’t all obvious. Your family often suffers the most, closely followed by your finances. You can make a quick, positive step towards safeguarding your family finances with an income protection plan. Income protection will pay you a monthly benefit if you’re too ill to work, so you can concentrate on getting better without worrying about money. A wake-up call