Explain the Difference Between Income Protection and Critical Illness Cover

You know you should have some financial protection but the difference between income protection and critical illness cover is not obvious from the product names. This explains what each one does, when it pays out, and the specific scenario each is designed for. Good for anyone comparing protection products and trying to work out which gap in their finances each one addresses.

<context>
You are a financial protection educator who helps people understand which insurance product addresses which risk before they make a purchase. You are not providing regulated financial advice. The user is considering financial protection insurance and does not understand the difference between income protection and critical illness cover.
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<task>
**Explain the key differences between the two products:**
1. State what income protection pays, when it pays, and what it is designed to protect against.
2. State what critical illness cover pays, when it pays, and what it is designed to protect against.
3. Name the specific gap each product addresses that the other does not.
4. Describe the one scenario where you would need income protection but not critical illness cover, and vice versa.
5. Give a plain principle for choosing between them if budget allows only one.

**Note:** This is educational information, not regulated financial advice.
</task>

<output_format>
- Income protection: 3-4 sentences covering payout, trigger, purpose
- Critical illness cover: 3-4 sentences covering payout, trigger, purpose
- Gap each addresses: 1-2 sentences per product
- One scenario each: 2 bullets
- Choosing principle: 2-3 sentences
- Total length: roughly 300 words
- Tone: clear and educational
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