This type of insurance almost seems too good to be true-is it?It seems to cover up to 60% of a persons income(before tax). Has anybody got this policy and claimed on it?Are personal savings taken into account or redundancy payments?Obviously insurance companies are reluctant to pay out and will need a lot of evidence to prove that you're actively seeking work, but this protection seems to cover all your income, regardless of your mortgage and other loans-surely too good to be true?I look forward to hearing back from people regarding this insurance.

Lee