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Income Protection and Permanent Health
Insurance policies have what is
known as a Waiting Period or
Deferred Period this can be
described as.
"once you claim, there is a delay before
payments start. You can choose how long
this is, for example from 4 weeks up to
104 weeks. The longer the waiting
period, the less you pay."
If you are a teacher then you may
receive full sick pay for 6 months.
Therefore you would choose a
deferred or waiting period of 6
months. Once this time as lapsed then
the policy would pay the monthly income
that you specified when you set up the
policy.
Having a long term waiting period such
as above would decrease the monthly
premium as it would have to be a long
term illness that would keep you off
work for 6 months or more.
On the other hand a self employed person
normally receives no sick pay at all.
Therefore ideally they should have the
shortest deferred period available which
is often 1 month. In this case a broken
leg or may keep the policyholder off
work over the 1 month period and thus
the risk is higher and the monthly
premium for the income protection
insurance would cost more.
Special policies exist for those who
receive full sick pay for 6 months and
then half pay for 6 months. These need a
special policy with dual waiting
periods. To receive expert income
protection insurance advice fill in the
1 minute enquiry form now. |
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*£5.00 Per month quote based on 25 Year
old female Non Smoker for £102,740
guaranteed level life cover only for
term of 25 Years.
**Take out life insurance before 31st
December 2010 and receive a £25.00 gift voucher. Voucher sent
once 3 months premiums are paid. If you
cancel within this period the voucher
will not be paid. One voucher per
customer. |
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