Income Protection
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- What?
Formerly known as permanent health insurance, income protection is an insurance policy that pays out if you’re unable to work because of injury or illness.
- Why?
Most people take a policy out to cover the income you would lose out on while incapacitated.
- Who?
The vast majority of Income Protection insurers will insure anyone who earns an income between the age of 18 with a maximum entry age of 59 years old , but luckily there are a couple of insurers with a maximum age to take out cover of 64 years old. With these insurers it is even possible for the plan to run up to the age of 70 years old.
- When?
Like Life Assurance, the younger you are, the cheaper the policy, as the older you are,the higher the likelihood of a claim being made. Other factor affecting price include current health, smoking status, BMI, and even your job.
- Where?
Choice can come out and see you in the comfort of your own home, however we offer this fee free service over the phone at a time that is convenient for you.
*Each provider has their own definitions of what classes as a critical illness. For more information, speak to an adviser.
Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.
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