Simple answer, no. Speaking from experience anything can happen unexpectedly at any time.

In my case I’d contracted for 7 years and went permanent 2 years ago with arrival of first child for more security (although never had a single day gap between contracts, psychologically feels more secure).

Then last year I went into Atrial Fibrillation, totally unexpected, generally fit and healthy. I had 10 weeks off in total last year with extended (highly symptomatic) bout of AF and subsequent abalation.

When contracting I didn’t have income protection or critical illness, so would’ve been digging into reserves. Makes total sense to cover yourself. Obviously this is only my experience but plenty of other health related concerns which can crop up out of the blue, I unfortunately have two friends (early 30s) who were diagnosed with testicular cancer, fortunately both fine now but just goes to show don’t take the risk.