Waiver of Premium (on incapacity)

Waiver of premium on incapacity benefit provides financial protection to Policyholders in the event of a qualifying disability or illness that renders them unable to work and pay their insurance premiums with the Provider waiving the obligation to pay premiums for the duration of the disability or illness.

It is often inexpensive to include and can provide such a valuable benefit at such a crucial time of need.

There are instances where medical underwriting or certain occupations may exclude this benefit, and our recommendation to include it will always take your budget into consideration.

Our expert advisers will outline the options to you and can provide a number of quotes to reflect your individual circumstances within your budget.

This is where the opportunity for a discussion with an independent professional adviser is superior to a cost comparison site which leans towards a comparison of costs with many additional covers not available.

Family Future-proofing

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