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Categories
Categories
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Income Replacement
Permanent Health Insurance
By arranging your Income Replacement Insurance (PHI) through our web site you will pay lower premiums than "going direct" to the provider. This is is achieved by reducing the commission we would normally receive by 80%. We offer the best discounts in the UK with no administration fees. We offer three options Option 1 We will supply you with a list of companies and the discounted premiums charged for any type of policy that you ask for. Please complete the enquiry form by clicking on the button below. When we reply you can then decide from which company/ies you would like an illustration/application pack. Option 2 We will supply you with a list of companies and the discounted premiums charged for any type of policy that you ask for. Please complete the enquiry form by clicking on the button below. When we reply you can then decide from which company/ies you would like an illustration/application pack. Option 3 If you have already decided what you want please complete the order form with your instructions. We will supply you with an illustration from the company of your choice. The illustration will show a lower premium compared to that company's normal premium due to us giving up 80% of the commission. You can only achieve this level of enhancement by using our web site. You cannot get better by going direct to the provider! You are not committed to anything by completing an enquiry form. Moneyworld Personal Loans We guarantee to offer you the most suitable loan for your circumstances at the best possible rate! A loan offer will be posted to you within 24 hours of application! You are not committed until you return the signed offer of acceptance. If you are not happy with the offer just throw it away! Applying will have cost you nothing! ALL applications are considered including * Poor credit history * Self employed with or without accounts * Retired * Employed * Professionals * Consolidation of loans What is an income replacement policy? Income replacement is not usually an insurance policy (though some disability income policies could be called income replacement policies). Rather, it is a promise given by your employer to continue to pay your salary for some period of time if you become disabled (often for six months, or until you can be eligible for Social Security coverage). This saves the employer from the expense of purchasing a policy, but the employee takes the risk that the employer will not honor the promise. In large companies with a human resources department and a personnel manual, the policy would be written out. In smaller companies, however, it may be only be a verbal promise from the employer. At the time of disability, the employer may be unable to fulfill the promise because of financial stresses. Or perhaps the boss who made the promise has left the company or died. Usually, a salary continuation promise is for a relatively short period such as few weeks or months. Often it is for up to six months. The disabled person can then apply for Social Security disability if he or she is still unable to work. |