Obviously, you need to talk to an IFA (Independent Financial Adviser). An IFA is legally obliged to work on the clients behalf and not any individual insurance company. He can get details of the whole range of policies, etc, on offer and select the right product for your needs. And it just so happens I'm an IFA. (Shamless bit of self promotion, this!) as well as being an ex commercial and military pilot.
If you want to talk about it just give me a ring on 01242 239784.
Ask for 'Mark'.