Day after day, people are facing problems.  Most of these problems are we are dealing each day are unforeseen.  Across the globe, illnesses and unemployment are among the many problems happenning.  The insurance companies take initiatives so as to protect the people from these risks.  An income protection insurance was created for this matter.  This is meant to pay the individual with the same amount of his income before he become unemployed or before an illness happened that causes him to become unable to work.