<prompt> Human: New medical doctor in my first year of work, earning gross 35k per year. No health problems. UK based.Recently had a complimentary financial advisor meeting to get an early headstart on financial planning. While we discussed retirement, saving and tax free savings etc the product they seemed to extensively push was Income Protection, which I have always held a skeptical view of notwithstanding the commission based income the advisor in my case would gain from myself taking out a protection planMy question would be: What are the views here generally on the subject of income protection planscritical illness insurance? Is income protection just basically another form of insurance? Is it a scam or an financial planning essential?  <response>: You need to post more about the specific details of this product he is pushing on you. A standard long term disability policy should be very inexpensive, but I would guess that he is trying to get you to invest in some crazy complicated and high fee annuity with various riders on it. 