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Income Protection/ Permanent Health Insurance

Income Protection or Permanent Health Insurance is designed to pay you a regular tax free monthly income if you are incapacitated and unable to work due to illness or injury.

The amount of cover is based on a percentage of your gross earnings and is suitable for both employed and self-employed people. A claim payment is often made after an initial deferred period of 3, 6 9 or 12 months.

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