As a note on income insurance, if you are self-employed read the small print very carefully indeed. A lot will only pay out if you are completely unable to generate any income, so if you have a product for example that brings in some money even if you are not actively working on it you might find they don’t pay out.
The insurances are often more designed for people who are employed or for who work means them showing up and doing the labour. There are also (in the UK at least) insurances that will pay out on diagnosis of a range of conditions, cancer and so on, which are not tied to income. I have one of these so in the instance of me needing treatment for a significant illness I wouldn’t have the added stress of covering the bills. As we get older and therefore more likely to get some sort of illness these seem like a good plan and I was surprised at how inexpensive it was.