Income Protection
Permanent
Health Insurance
Death has
an enormous impact on dependants, but so too does the loss of long-term
income due to sickness or injury. Many working individuals take for granted
that their employer will look after them in the event of sickness, but this
cannot be taken for granted. Many employers will look after your income for
a short time before reducing you to half pay, and eventually releasing you.
Only if pension provision is strong will you necessarily receive an
ill-health pension.
Once again
for a relatively small sum you can protect against this risk with Permanent Health Insurance (PHI).
Affinity can research the best company for your current occupation,
providing you with the most effective cover at the most economic cost.
Critical
Illness Protection
Another
form of health protection is Critical
Illness Protection. This will provide a lump sum in the
event of diagnosis of any one of a number of life threatening illnesses.
These would normally include strokes, heart attack, cancers, degenerative
mental diseases etc. Often an individual will make a full recovery from
such illnesses and will be able to make a full return to work. However, the
payment of a lump sum upon diagnosis will allow choices to be made, which
may involve extended periods of time off, the ability to take early
retirement, or even to enhance the quality of your environment whilst
undergoing treatment.
Please use
our contact form for a prompt reply.
