Income protection (IPI) rarely, if ever, covers unemployment - IPI covers loss of income due to inability to work through sickness/accident. You may be thinking about ASU (accident, sickness and unemployment) or MPPI (mortgage payment protection insurance). If you pay relgular premiums you'll be able to work out who it is from your bank statements. If you (foolishly!) paid a single premium via your mortgage, then it will be on some of your mortgage paperwork. MPPI and ASU are, in my personal opinion, a waste of time. They are relatively expensive, have short payout periods and relatively poor claims records.

Brian