A relative has been advised to increase their income protection policy following a review. They currently have cover for around 30 k pa after 6 months off sick. An advisor has advised them to go for a 100k policy. It will cost just over 200€ per month. Policy owner is 52 years old. Health is ok but job very stressful. What are the questions to ask the advisor. ? Are these policies limited in the number of conditions they pay out on ?