Health Insurance!

When something happens to your health then it can change the rest of your

life. Thankfully we recover from most illness and go on to have a perfectly

normal life.

But sometimes the illness can cause a permanent or long term problem. This

is where Permanent Health Insurance provides some financial support. This

can be arranged to provide a long term monthly payment to you to replace

all of your income, or more commonly, a smaller monthly amount such as your

mortgage. It can continue to pay this for as long as you are ill or until

the end of the term. The term can coincide with your mortgage or your

retirement age, or indeed a shorter term if you prefer.

Examples of Long Term Illnesses

The most common illnesses customers claim for include Back Problems,

Stress & Depression, Accidents, Heart Problems and Cancers resulting in

long term illness

Please note premiums are considerably higher for men than women.

If you feel you are in a very good job and redundancy is very unlikely,

then the only real risk to your income is long term illness. These policies

can tie in with your employer’s sick pay scheme so that if for example you

received full pay for 3 months and half pay for the next 3 months, then

your policy can mirror this and provide a top up income to help you cope

when your salary drops.

This cover is often more attractive to professional clients who have good

employment packages and want to protect their lifestyle from adversity.

Click below for a free quotation