I use Friends Provident.
Based in Dubai but purchased via a broker in the UK... Why? Because you are then covered under regulations of the UK finanical services authority..
You might pay a little bit more but you are protected from mis-selling.
Friends provident covers everything you need for life and critical illness. Not as comprehensive as a loss of licence plan but most airlines cover this in part already (EK do).
Also much better than a LIPS scheme because you are guaranteed a payout and not relying on a full pot (as in the LIPS scheme). The LIPS scheme is also open to abuse from pilots who just want an early retirement and 'fake' or at least exacerbate their claims.
My two penneth.