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Features and Product Description

• You can save a lot of money by increasing the deferred period if you can manage without receiving income for a longer period of time.
• Check the cost every couple of years as premiums are adjusted from time to time. Also an aggressive newcomer trying to buy market share may be cheaper than your current provider (even if you are older than when you started the cover). With non investment / profit linked contracts you have no termination costs or losses in swapping companies just as you would when buying car insurance.
• Income Protection is also known as Permanent Health Insurance or PHI