I want to receive a monthly income if I become sick, unemployed or have an accident for the whole time that I'm off work (i.e. no time limit)

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In this case then you want Permanent Health Insurance.

Permanent Health Insurance is a complex form of insurance and can be very costly - as a result, we do not sell permanent health insurance policies through this website. If you would like to learn more about permanent health insurance, we suggest you contact a local Independent Financial Adviser.
 
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