Income Protection (Permanent Health Insurance (PHI))

This policy pays an income when accident or illness prevents someone earning a living by carrying out their normal occupation.  The term of the PHI policy cannot normally extend beyond the person’s intended retirement age.  Benefits commence after a set deferred period.  All benefit payments are currently tax-free.  The maximum levels of income benefit are typically 50%-65% of pre-disability earnings.  Income will be paid until return to work, recovery, cessation of policy or death.



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