If Amanda could afford up to £55 a month, you could expand her plan even further.

For example, you could add an extra £225 a month of increasing Income Cover for Sickness with a term of 18 years for Amanda. This would give her a little extra each month to cover the everyday bills if she is unable to work because of an illness or accident.
For £10.57 a month.

You could also add increasing family income benefit Life Cover on David of £300 a month with a term of 8 years.
For £3.43 a month. And £200 a month of level family income benefit Life Cover with a term of 15 years on David. For £4.65 a month. This would make sure that Amanda had enough money to replace David’s lost maintenance if he died.

Her Payment Cover for Sickness amount would then become £1.58 a month.

Source:
1. Based on same source as Amanda’s previous quote, increasing at RPI on David, but taking into account new figures for increasing Income Cover for Sickness on a 26-week deferred period, increasing family income benefit Life Cover and the new figure for Payment Cover for Sickness. Increasing covers by RPI. Bright Grey, February 2010.