Also known as Permanent Health Insurance (PHI), Income Protection is a policy designed to give financial peace of mind by means of income replacement at a time of prolonged illness or injury resulting in time away from work.
Income Protection can be taken out as an individual policy, to cover specifics such as mortgage payments or as a group by an employer (Group Income Protection).
Group Income Protection is an effective way of an employer covering employees for long term absenteeism due to illness or injury and covering the financial burden that event could place on a company but still owing the employer to morally support the individual.
No one likes to think of death or serious illness
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