AFAP: read the fine print. When I was laid up some years ago, they refused to pay out on my LOL, because I was getting worker's comp. Turns out that there is a clause that exempts them from paying if you have other insurance, which they classed worker's comp. as being <img src="frown.gif" border="0">
AAUP used to offer a reasonable alternative, it would be worth shopping around. Needless to say, I quit the AFAP scheme in disgust.