Permanent Health Insurance

Income Protection, Income Protection Insurance, Income Protection Cover & Permanent Health Insurance UK


Permanent Health Insurance (also known as income protection or income protection insurance) is a policy designed to payout a specified monthly benefit to replace your salary in the event of you being unable to work due to disability or accident or sickness.

If you are self employed, a tradesperson (eg builder, scaffolder, welder or in Class 3 or 4 occupations) or in a specialist professional occupation (eg. dentist, surgeon), you may find a policy from a Friendly Society more competitive.

Permanent Health Insurance (PHI) Features

» You choose the deferred period to suit your needs, this ranges between 4 weeks and 2 years - back to day one cover available with some policies. UK tax payers only
» Insurance provides an income commencing after a deferred period for a person who is unable to work due to sickness or injury.
» The policy has a fixed term, usually to retirement age of 60 or 65.
» The policy, when in place, is permanent. The premiums cannot increase (unless a reviewable premium is chosen).
» There is a maximum insured income limit based on several factors. Please contact us for your specific situation.
» The benefits can be level or increase at a fixed amount.
» Premium rates are occupation based.
» Maximum income typically up to 65% of your earned income.

Permanent Health Insurance (PHI) Policy Benefits

» Income is paid for the duration of your illness or incapacity or/and until your selected end date (typically to your retirement date)
» If you recover then become ill again you can recommence your claim or if it is for a different incapacity, claims are not restricted to one event.
» Benefits paid for short & long term incapacity, subject to the deferred period.
The insurance company cannot cancel cover once you have been accepted. You can cancel, they cannot.
» Inflation protection can be provided by arranging an increasing policy. This provides increasing cover to take into account rising future costs.
» Guaranteed premiums are available with most insurance companies.

"A great price with all the benefits I need for my family"

Paul Marshall, Birmingham

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