Dave is 58 and he was rushed to hospital with severe chest pains. (Remember, a heart attack and cancer are a male’s biggest risk.) For us girls, statistics tell us cancer is our biggest risk.

He had an angioplasty (which is a procedure to clear blocked arteries) but continued to have ongoing pain despite his treatment. Normally Dave could have expected to be back at work within weeks following his surgery, but his recovery was not as quick as he’d hoped.

Ten months following his first hospitalisation, he was still unwell and unlikely to be able to return to his construction job in the near future. While all this was going on, Dave’s income protection insurance helped to cover mortgage payments and living expenses for his family.