Income protection and Critical Illness Insurance is an extremely suggested type of insurance to take out. Such insurance may cover you when you are unable to work whether it is through sickness/illness or incapacity. This is will vary greatly in cost depending on what cover you decide you need, for example the monthly benefit you require which will enable you to carry on and support your family.
Other factors that will also influence the price will be how long you require the cover to last, you may feel you are only at risk for a limited amount of time but as you get older the more likely you are to bump into some health risks. For example if you had a bad accident and it resulted in a knee injury the cover may exclude paying out on an existing condition.
Therefore if you were to take cover out for a short period of time and then realise later you still need the cover and you were to then have various conditions the cover will not be as comprehensive as previously taken out or the payment may be considerably higher.