Who needs BIBA income protection insurance?

Just consider these worrying statistics about unemployment and disability in the UK:

Every day 90 families have their home repossessed. The majority of these repossessions are because of the financial hardship caused by unemployment.
20% of all working age households (3.8million) have someone who is currently out of work.
Every day 500 people loose their job through redundancy. Nearly 70% of unemployed men and 50% of unemployed women will be out of work for over 6 months.
A third of all people aged between 26-37 have experienced unemployment for a period exceeding 2 months.
Every day 3,000 people will attempt to claim State Disability Benefits.
Nearly 3 million people are disabled and have been unable to work for a year or more.

Source: Department of Work and Pensions, 2003.