Optio finance
Insurance is divided into five main categories.

Life Insurance
Life insurance covers you in the event of death, this type of cover can be used to pay off your mortgage, help your family cope or even pay for your funeral.
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Disability
Disability covers you in the event that you become disabled and unable to work.
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Trauma
Pays you when you become seriously ill, there are many variants but in a nutshell you get cover for the most serious of illness such as cancer and heart disease.
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Income
Income protection is just that payment of your income when you are unable to work.
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Medical
Medical insurance covers you for a varity of medical expenses.
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