Permanent Health Insurance Policy

This policy will pay out monthly replacement income if you are off work due to illness or injury. Income protection generally has a deferred period in which no benefit is payable. This period can range from 4 to 104 weeks, usually depending on the duration of any sick pay you will receive from your employer, or any other accident or sickness policies you may have.

There are other providers of payment protection insurance (short term income protection) and other products designed to protect you against loss of income for impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk