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Permanent Health Insurance

Permanent Health Insurance typically named PHI will pay a monthly benefit if the covered person is incapacitated due to an Accident or sickness condition, for longer than the deferred period selected. Benefits can be provided from day 1 of an Accident or Sickness until retirement age providing benefits for many years or anything in-between.


Monthly benefits start at around £500 per month and up to £10,000 per month. The total amount of benefits that can be selected is normally 65% of your total gross annual earnings. For clients requiring benefits in excess of £3,500 per month this may reduce to 50% after the first £3,500 per month.


Benefits provided by a PHI policy are not subject to taxation and the full benefit is paid to the beneficiary each month.


By supplying your contact details our Administration staff will contact you to assess how we can help you decide on the right provider to help meet your personal requirements and if necessary allocate a registered and experienced Adviser to work with you. Don't forget to view our LinkedIn page.


Contact us today or call 01189 291313 for more details.

Contact IQ Financial Solutions

Our other services include: Will Writing , Estate Planning , Trusts , Life Assurance, Critical Illness , Permanent Health Insurance , Family Income Protection , Unemployment Cover , Accident and Sickness Cover , Home Insurance, Private Medical Insurance .



IQ Financial Solutions Limited is an appointed representative of H L Partnership Limited which is authorised and regulated

by The Financial Conduct Authority (FCA) – registration number FRN 590517.

IQ Financial Solutions Limited Registered in England and Wales, Registration No. 8248919.

The advice and/or guidance contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Our Address: Abbey House,1650 Arlington Business Park, IQ Financial Solutions, Theale, Reading, RG7 4SA - Telephone Number 01189 291313.