Currently I just have mortgage protection life assurance and private health cover, but am thinking of taking out income protection. It seems to be better than serious illness cover as this seems a bit restrictive as to which illnesses are covered. With Friends First payments only start after one has been off work for 13 weeks, does anyone know if any company has a shorter time period as this seems long. Also does anyone have experience with friends first or other companies such as canada life? Any advice on taking out income protection would be greatly appreciated