Long term assurers carry those kind of risks more than short term insurers do.

Some specialist short term insurers (not the "big guns") do provide such products, but the benefits of these are limited to short term protection (maximum payment periods < 2 years, i.e. no permanent disability benefits are provided).

Apart from PPS, the rest usually only provide for long term protection, i.e., their products cater for both short - and long term illnesses/disabilities.

A financial adviser should be able to assist you in this regard, David.

hth

Harry