Not completely on topic, but I was with the afap for years, as an associate member most of the time working in Singapore,Kuwait and New Guinea.
I paid my own loss of licence policy during that time for something like 30 years, when I retired the mbf paid out everything I contributed during that time.
Quite simply they are unbelievably good, I never had income protection insurance with them,but if they do something similar to their loss of licence policy you cannot go wrong with them.