Income Protection cover, sometimes known as Permanent Health Insurance, provides cover in the event that the insured is unable to work, and therefore to earn, due to illness or injury. The cost will depend on various factors including the occupation of the policyholder, their age and the period of time chosen between when the insured becomes ill and when the policy starts to pay an income.
There is considerable choice between the range of cover offered by different insurers. The key is to choose a balance between the cover you need versus the cost. We can help you select the appropriate policy for you. You may be fortunate enough never to have to make a claim under your policy, but many people have been very grateful indeed that amongst all the other worries they had when they became unable to work, they knew they did not have to think about how they were going to meet domestic bills and keep a roof over their head until they recovered.