Income Protection Insurance
The Insurance Surgery is an Independent Financial Advisor that has specialised in providing insurance for clients with pre existing medical conditions for over 5 years. We also cater for clients in high risk occupations or who are involved in dangerous
hobbies/pastimes.
If you suffer from a pre-existing medical condition or are involved in a dangerous occupation or hobby obtaining Income Protection Insurance can be difficult. At The Insurance Surgery we will use our considerable experience to help you obtain the cover you desire at an affordable cost.
What types of cover are available?
Short term cover - Redundancy, Unemployment, Sickness, Accident
Benefits paid in event of Accident, Sickness or Unemployment/Redundancy.
Often called an “ASU” policy or a Mortgage Payment Protection Policy.
Benefits usually begin after being off work for 30 days
Benefits usually finish after 12 months
Pre - existing condition usually excluded
Cost of cover relatively inexpensive.
Long Term Cover - Sickness
Benefits paid in the event of illness only
Often called a Permanent Health Insurance (PHI)
You can choose when benefits begin (usually between 4 weeks and 2 years)
Benefits usually finish at retirement age
Pre-existing conditions may be included (usually at an extra cost)
Cost of cover varies with age, occupation, health etc.
At The Insurance Surgery we are pleased to offer both long term and short term cover.
For our short term cover we have teamed up with ‘Safe & Secure’ one of the market leaders in this area who are able to provide a highly competitive produce that can be tailored to your exact requirements.
Safe & Secure offer an exceptional personal service and you will be put in contact with a UK based advisor who will make sure you receive the correct advice.
For our long term cover we will evaluate your individual circumstances before recommending which company we feel will offer a competitive premium for your needs.
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The Insurance Surgery Limited is authorised and regulated by the Financial Services Authority (FSA registration number 401425). The FSA does not regulate some aspects of protection. The Insurance Surgery Limited, registered in England No. 5137288 Registered Office: King Edward House, 1 Jordangate, Macclesfield, Cheshire, SK10 1ES. Telephone 0870 458 7955
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