Income protection (IP), the new(ish) name for what used to be known as permanent health insurance (PHI), is arguably the cornerstone of all financial planning. It fortifys that on which everything otherwise is based, such as savings, investments and pensions etc and fits the sensible 'protect what you have before you squander anything else' ethos perfectly.
Currently however, this result is one of the chiefly consistently undersold products throughout the financial services industry, across all distribution channels, from IFAs and high road outlets to direct sales forces. In the UK with 250000 of recent origin policies sold each year, IP sales
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