Permanent Health Insurance policies provide a regular income if you were to sustain a long-term disability and the income would continue until recovery or retirement age of 65. The regular income benefit is guaranteed to be payable whilst you are unable to carry out your occupation. Your policy will replace part of your income if you are unable to work due to an illness or an accident. There is a waiting period, called the deferred period, between you being unable to work and the income starting. A permanent health insurance policy would provide valuable financial protection in the event of you being unable to work over a long period due to illness or injury.

Premiums are based on your personal circumstances but the main areas for consideration by an insurer are your age and state of health. The older you are, the higher the premium will be. Similarly if you have or had a serious ailment the insurer may seek to charge you more or in some cases be unwilling to cover you at all. Higher levels of cover and longer policy terms all increase cost as will the fact that an individual smokes.

To obtain a quotation simply click here. Alternatively ring 01462 815095 and one of our brokers will be delighted to discuss your situation. Our quotation service is free and without obligation.