Income Protection

Income Replacement Policy (IRP) – Otherwise known as Permanent Health Insurance (PHI)

Replaces a substantial part of your income if you are unable to work over a long period because of illness or disability (so could be used in part to meet your mortgage payments). Continues to pay out until you recover or reach retirement whichever is sooner.

All Insurance Companies provide slightly different levels and types of this cover. It is vital to obtain independent analysis of the differences in cost and cover before deciding on a particular Provider.   [Contact Us]