Since 1995 if you became ill or redundant the social security does not offer any help to you for the first 39 weeks.

This plan (MPPI) provides sufficient income on a monthly basis to cover your mortgage payments.

In many cases a claim cannot be made on redundancy cover until the policy has been in force for at least 90 days, likewise 30 days for sickness.

For the self-employed there are policies around where you can’t make a claim for illness until you’ve been ill for 30 or 60 days (depending on the policy that you have), but if you are ill for longer than the deferral period, then benefits are back dated to day one.

As with all other types of insurance there is the (it won’t happen to me) chance, however, it will happen to someone probably right now, the old saying of “prevention is better than having to cure” is of paramount importance as we are all wiser in retrospect.

Please Contact Us, or fill in the form below for a quotation, may take up to 3 days.