Due to Government advice, our offices will be closed until 13th April although most staff will endeavour to continue working from home. Please understand that any instructions received will be subject to the resources available at both JPA and our product providers. We appreciate that this is frustrating for both our staff and our clients so would ask for your patience while we all get through this difficult time. Stay safe.

Protection Plans: Illness and Disability

Protection Plans: Illness and Disability

Policies that provide financial protection in the event of illness or accident are a much more recent development than life policies. In part, this is the result of advances in medical science: injuries and illnesses that once would have been fatal are now increasingly treatable. One possible outcome is that people may have to live with the financial consequences of impaired earning capacity, sometimes for a few months but sometimes for many years. As new needs for protection have arisen, product providers have introduced a range of policies to meet these needs.

Submit an Enquiry

If you would like to further discuss your current requirements with our team, why not get in touch with us by giving us a call. Alternatively, you can complete the contact form below with your enquiry regarding our services, and we will get back to you as soon as possible.

Critical illness cover provides a lump-sum payment on diagnosis of one of a specified range of life-threatening or debilitating illnesses or medical conditions.

An income protection plan, which is also known as permanent health insurance (PHI), is designed to provide replacement income in the event of an individual being unable to work due to illness, disability or accident. The word ‘permanent’ refers to the fact that the insurer cannot cancel the cover simply on the grounds of poor claims experience.

Accident, sickness and unemployment (ASU) policies are a type of general insurance that may be considered as an alternative to, or can possibly work in conjunction with, income protection plans.

Private medical insurance (PMI) is designed to provide cover for the costs of medical expenses. It provides an individual with access to private medical treatment without their being entirely reliant on the National Health Service.