Permanent Health Insurance (PHI)
The Facts
Long-term illness is something we prefer not to think about but official figures show that every year more than 670,000 men aged between 40 and 64 are absent from work for more than six months because of it.
This is an insurance policy that will pay you a percentage of your income, often until retirement, should you become unable to work due to ill health - usually regardless of the causes.
Permanent health Insurance (PHI) is also known as income replacement insurance, income protection insurance, long-term disability insurance, disability income insurance or personal disability insurance It pays a regular income designed to protect your standard of living if you suffer long-term sickness or injury. Benefit usually starts after an initial waiting period of four, 13, 26 or 52 weeks and it is payable until you return to work, die or the policy term expires, whichever happens first.
We at UK Financial Matters, our advisers are specialists in protection insurances and can provide free quotations for Building and Content Insurance, Life Insurance, Family Income Benefits, Accident, Sickness & Unemployment Insurance, Mortgage Payment Protection Insurance, Critical Illness Cover and Payment Protection Insurance so you can be rest assured that your home and family are fully covered in every event.
Applications for any of the above insurances can be arranged over the phone and independent of a mortgage.
However, if you would prefer a face to face meeting our advisers would be very happy to see you at our friendly office.
No fee is payable when you apply for any of the protection insurance products. We will be paid by commission from the Insurance Company.
Please fill up the short enquiry form online or call us now to arrange an appointment on 0800 311 2012 or you can e-mail us with your contact details and preferred times to enquiries@ukfinancialmatters.co.uk
We will contact you within 24 hrs to discuss your requirements
At UK Financial Matters, our advisers are specialists in protection insurances and We will always advise you and make our recommendation for any of the protection insurance products we offer.
Applications for any of the above insurances can also be arranged over the phone and independent of a mortgage.
However, if you would prefer a face to face meeting our advisers would be very happy to see you at our friendly office.
No fee is payable when you apply for any of the protection insurance products. We will be paid by commission from the Insurance Company
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We do not charge a fee for residential or buy to let mortgages. You however have the option of paying up to 0.5% of the loan and then you would receive
the commission from the lender. |
The overall cost for comparison is 7.7% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration. |
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. |
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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK Registered in England, Company Registration No: 6480500. UK Financial Matters is a trading name of Talking Direct Limited which is directly authorised and regulated by the Financial Services Authority for regulated mortgage and insurance business only. Our FSA register (www.fsa.gov.uk/register/) reference number is 479968. FSA does not regulate overseas mortgages and some investment mortgage contracts. Registered Office: Crown House, 72 Downton Avenue, London, SW2 3TS, United KingdomVAT No: 947265492, Data Protection Registration No: Z1192279, Consumer Credit Licence No: 613476 |