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What would you do if you could not work due to accident or ill health? If you had a reduced income, how would you pay your bills? UK state benefit is only £70.05* per week!
(*Check State Benefits to assess your possible income)

What if you fell from a ladder and injured your back and were unable to go to work on Monday? How generous would your employer be or, worse still, what protection would you have if you were self employed?

We all hope it will never happen but sadly, thousands of people are incapacitated unexpectedly who thought that it would never happen to them.

Income Protection Insurance will pay you a liveable wage in the event of you being unable to work due to accident or sickness. Premiums are calculated on your occupation and benefit required (you can normally specify up to 65% of your gross salary). Click here for an Example Case Study.

PHA
PHA is an independent UK brokerage that has been advising clients on income protection insurance for many years. Independent advice will allow you to find the right income protection insurance cover at the right price according to your particular circumstances. PHA is not tied to any single income protection insurance company and can quote from a wide range of insurance plans from different insurance companies.

INCOME PROTECTION INSURANCE QUOTATION
We can offer you the benefit of an Income Protection Insurance quote within minutes based on the information you provide on the quote form. Don't delay - rates are rising all the time. We will advise you on the most suitable Income Protection Insurance cover to your needs.

If you would like a quotation with Independent Advice, please complete the Request a Quote Form. Just click here for an -

ACCIDENT SICKNESS & UNEMPLOYMENT (ASU)
The main differences between ASU and Income Protection is that the former is designed to cover payments for a mortgage/rent and a nominal amount for ancilliary bills such as insurances, whereas the latter is designed to replace income.

Therefore the criteria for ASU is different in as much, the amount you pay for your mortgage/rent is thus the cover you can apply for.

Also bear in mind that ASU is normally written for a period of 12 or 24 months so a claim will only pay for this "short term" as opposed to Income Protection which can be written to retirement.

Click below for a quick quote from a leading provider of -

GROUP/COMPANY INCOME PROTECTION INSURANCE
Perhaps you are an employer or group leader looking to provide more in the way of healthcare cover for your members. If so, we can quote you for Group Health Insurance Income Protection. Check this section to find out why a Group Income Protection policy might be just the thing to improve healthcare for your staff, and for you.

IS INCOME PROTECTION INSURANCE RIGHT FOR ME?
If Income Protection Insurance is not the type of insurance that you need, please check our page describing different types of healthcare insurance. We are well aware that the are plenty of different types of health insurance on the market. It can be confusing. Picking the right plan can be a minefield. If you agree with us, your choice of cover is something that is best decided after obtaining the advice an independent broker such as PHA. To learn more about what each type of health insurance actually covers - Click Here >

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