Insurance is a messy business, I would suggest - anywhere.
I would even go as far as to say: crooks, some of them!
Personal experience has taught me the following:
Pay enough money and you will get cover.
Read the small print and if you can't understand it get another crook (lawyer) to explain it - FL excluded of course
Loss of licence is cheaper/easier to get.
Income protection is very expensive and is a legal minefield. It 'normally' only covers you if you become a vegetable
[Unable to feed/dress oneself]. Very very rarely do you get income protection for your particular profession (aviation). It's too risky for the insurance company.
Finally -if you get the insurance you want -comply with every single aspect of its requirements, or they will nullify it at the drop of a hat (this means telling them you had measles at 4 and haemarroids at 44!].
Good luck!