Firstly, you should decide the sum of money you think you would need if you were diagnosed with an illness which prevented you from working again. You might need to pay off a specific debt like a mortgage, arrange for nursing care or pay for further medical assistance. Any dependents are likely to need an income which will allow them to continue to live in the same way as they had prior to you giving up work.
When you want to compare policies from different Insurance Companies it is very important to consider the illnesses that they cover before you compare the price that they charge. As with car insurance, cheapest is not necessarily the best. Premiums can be either guaranteed or reviewable - where possible opt for guaranteed. Some have more standard exclusions than others.
If you have had increased premiums in the past, contact us now!
For a personalised income protection insurance quote contact us now or get a free income protection insurance quote. BUT, if you are a gay man please talk to us before you make any final decisions - not all companies will be suitable for you. (Gay men, for example, should not necessarily apply jointly for Life Assurance.)
This site also offers you a free quote for Life Insurance (Life Assurance), Critical Illness cover and free quotes for pensions.
Our truly Independent Financial Adviser Consultants have helped many gay men find income protection/PHI at standard premiums.