The working world has changed dramatically in recent years. A lot of us are working harder with longer hours and there are fewer jobs for life. One thing however remains constant and that's the fact that most of us need to work to pay the bills and, according to the level of cover taken, you could still enjoy all the nice things in life like holidays, Christmas & cars. Bills don't stop arriving - even if we are very sick.

Without a regular income many of us would struggle to get by. Even those of us that have savings or investments may struggle, as they won't last long. That's where Permanent Health Insurance (PHI) comes in. PHI is designed to pay out an income typically based on a proportion of normal working salary if you are unable to work due to sickness or injury.

You should always seek professional advice when considering Permanent Health Insurance as State benefits and employer's sick pay schemes can affect the payout. Our advisers will guide you to ensure that you have the maximum cover most appropriate for your circumstances.