Permanent Health Insurance Quote

The older you are the more expensive the premiums will be due to the increasing risk with age of suffering an illness rendering you unable to work for a prolonged period.

Due to the health risks associated with smoking, if you have smoked tobacco in the past 12 months the income protection quote will have inflated premiums to take account of the increased likelihood of suffering an illness and having to claim on the policy.

Existing medical conditions will either result in uprated premiums to take account of the additional risk or exclusions being made on the income protection quotes.

The monthly benefit is the monthly tax free cash you would receive in the event of a claim. Increasing the monthly benefit will see an increase in your premiums.

Most permanent health providers will quote up to 65% of your annual gross income as a benefit.

The older you wish to quote the age cover ceases the more expensive the policy premiums will be. When quoting the providers take into account the increasing risk with age of suffering an illness leaving you unfit to work for a considerable length of time.

When quoting you will need to decide upon a deferred period, tending to be anywhere from 4 weeks to 52 weeks, this is the period which you must be unable to work for before the claim will begin paying out.

The greater the deferred period the less expensive the premiums as you would have to be off for an increasing length of time to claim on the policy.

Indexation option sees the the level of cover quoted today increase inline with the retail price index (RPI) throughout the term of the policy. Including indexation will increase the premiums in the quotes as your cover will rise over time in level with inflation.