u/Educational-Mud5894

Hi all,

My partner and I are buying our first home and have been recommended:

• Life insurance
• Critical illness cover
• Income protection

We're trying to decide whether these are genuinely worth having, or whether most people only take some of them.

For those who've already bought a home:

• Which of these did you take out?
• Which would you consider essential?
• Did your employer benefits (e.g. sick pay or death-in-service) affect your decision?
• Looking back, would you make the same choice again?

Would be great to hear what others did and why.

Thanks!