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Income Protection

Income protection or permanent health insurance as its commonly known is designed to pay out a regular income in the event of long term illness or disability.

Income is the driver of society that dictates how we live. Therefore protecting this income is paramount if you are to continue living a reasonable lifestyle.

There are limitations as to how much of your income you can cover and therefore how much you could potentially claim.

With short and long term sickness benefits so inadequate from the state it is wise to obtain cover to help pay your bills in this event.

Many employers offer short term sickness schemes but only the public sector offer some longer term benefits. Your cover should therefore be guided by these terms and an appropriate policy sought to link in with any existing benefits.

An adviser is the perfect person to help you achieve this as they will have access to many different insurers and therefore can tailor a particular policy to suit your needs and budget.