Authorised and regulated by
the Financial Conduct Authority
Income Protection
Permanent Health Insurance (PHI)
This policy is designed to provide an income in the event the insured individual is unable to work due to ill health. The level of premium will depend upon the amount of benefit and term selected. Most policies cease to pay the benefit once the insured is able to return to work. Income protection policies are usually written to retirement age or 60 if earlier.
Accident, Sickness & Unemployment (ASU)
ASU policies were traditionally sold to accompany mortgages, allowing for a regular income to be paid to the insured should they be unable to work due to ill health, an accident or lose their job. The product can be split down, and unemployment cover is usually the optional extra available for an additional premium. Benefits are only usually paid for a specified period, for example 12 months. It is important to compare ASU and Income Protection closely as one may be more suitable than another. It may also be beneficial to use the two products to work in tandem with each other.
Want to know more?
To find out more or to arrange a meeting with us, please call
020 8498 0040, or email info@curzon-ifa.com
020 8498 0040
info@curzon-ifa.com
Curzon Financial Advisers is a trading name of Simone Grogan, who is authorised and regulated by the Financial Conduct Authority. Simone Grogan is the Principal of Curzon Financial Advisers and is entered on the Financial Services Register https://register.fca.org.uk/ under reference 933340. If you wish to register a complaint, please write to us at the address above or email us at info@curzon-ifa.com.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at
www.financial-ombudsman.org.uk
or by contacting them on 0800 0234 567.
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