Article on Life Insurances for UK market

I need an article for a magazine. This article is targeted at normal everyday people who have the need for insurance but don't realise it, it should be based around life insurance to include critical illness, income protection and redundancy cover. The article should include potential a "real life case" as an example to other people, families, single people as to what can happen if you do not have insurance in place. It should include the benefits of having cover, what to look out for when taking cover out, and the myths surrounding life cover. It should also be well written to be grammatically correct. Remember this is for the UK market place. You need to be proficient with English (UK). And be available on gtalk, msn, etc etc.