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This type of plan is designed to pay a regular sum to replace lost income. These plans are often referred to as income protection plans.
They are designed to pay a monthly benefit to replace lost income and can continue to pay until you return to work or the plan term comes to an end (normally set to retirement.)
Individually owed plans will pay a tax free income benefit.
You can set your own deferment period (the minimum period whereby no claim will be paid.) Individually owed plans will pay a tax free income benefit.
Each PHI provider has its own definition of incapacity. It is imperative that you have a plan designed best to suit your job role and definition. Professionals such as doctors and dentist often require an own definition of incapacity but if they don’t seek the correct advice this could easily not be the case.
If you would like to find out more about the most suitable income protection plan for your needs then please contact us today to find out more
Ginny has been thorough in establishing my personal circumstances and financial commitments and my attitude to risk. I would highly recommend her friendly, expert services.