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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.
Most people take a policy out to cover the income you would lose out on while incapacitated.
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.
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.
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.
CHOICE FINANCE MORTGAGES AND FINANCIAL SOLUTIONS LTD ACT AS A CREDIT BROKER NOT A LENDER.