Personal Insurance from Newcastle Independent Financial Advisers

Amethyst IFA

83 Howard Street
North Shields
Tyne and Wear  NE30 1AF

0191 257 6704 0191 257 6256 Mon - Thurs 9am to 5pm
Friday - 9am to 4:30pm

Permanent Health Insurance (PHI) Cover

It's when you need to make a claim that you realise just how wise investing in health and medical insurance can be.

Permanent Health Insurance provides cover in the event that the insured is unable to work, and therefore unable to earn, due to illness or injury.

The premium cost will depend on the extent of the illnesses covered, the age of the policyholder and period of time that elapses between when the insured becomes ill and the deferred period.

There is considerable choice between different covers offered by different insurers. The key is to choose a balance between the cover you need versus the cost of premium. A financial adviser with knowledge of the permanent health market can help you select the appropriate policy for you. If you are fortunate enough never to have to make a claim under your policy you may have some regrets at a later date. However many people have been very grateful indeed that, amongst all the other worries they had when they became unable to work, they knew they did not have to think about how they were going to meet domestic bills and keep a roof over their head until they recovered.

For protection insurance we offer products from a limited panel of providers.

Risk Warning: These plans have no cash in value at any time.

Please refer to the policy document before taking out a policy to check any limitations.

Insurance which is based on an assessment of health of the applicant is unlikely to cover the applicant for previous or existing medical conditions and that the customer should refer to policy documentation and seek advice in order to understand what the policy does and does not cover before making an application.

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amethyst IFA Paul Richardson Alan Dennett Malcolm Butters Liz MacBride Keith Wilkinson Stephen Anderson Karen Chapman