Permanent Health Insurance — what is it?

Permanent Health Insurance or Income Protection 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.

There is no limit on the number of claims you can make and if you are never able to work again it will be paid until your selected retirement age (Max 65).

It is also possible to take out income protection cover through your employer.

E J Folkard Financial Services can offer much more detailed advice on the benefits of Permanent Health Insurance. We endeavour to save you time and money by searching the Permanent Health Insurance market on your behalf to find you the best policy to suit your individual circumstances. Why not call us now and get a quote, it costs nothing. We offer a truly independent UK whole of market service.

If you want more information on PHI, click on the links below:

How does PHI differ from ASU cover?
Can my employer provide PHI cover for me?
Can I get PHI if I do not have a job?
Can I insure 100% of my income if I fall ill?
Why is PHI more expensive for women?
What is a deferred period?
I have a bad back, can I get PHI cover?
Will my occupation affect my PHI premium?
I do a hazardous job, can I get cover?
Will a hazardous pastime affect my premium?
Who can benefit from taking out PHI cover?
Should I consider PHI to cover my mortgage?