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With predictions of a second global financial crisis making headlines, the number of people seeking income protection insurance in case of unemployment has risen considerably. With predictions of a second global financial crisis making headlines, the number of people seeking income protection insurance in case of unemployment has risen [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] considerably. Credit rating agencies are forewarning about a bigger financial crisis which is expected to have a harder and deeper impact than the previous one especially on Asia and Australia. As a result, the fear of losing their regular income is haunting both workers and businessmen.
Income Protection Insurance: Features And Benefits
Income protection insurance comes to the aid of workers who are unable to earn their regular income due to illness, accidents or injuries. In general, people depend on their income to meet regular financial needs except for the rich [url=http://www.mnfruit.com/airjordan.php]jordan[/url] upper class. The sudden loss of regular income can lead to a financial crisis, with devastating effects on their lifestyle.
Income protection insurance covers up to seventy five percent of income, in [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] case a person is incapable of earning regular wages. To claim the benefits, the policy holders will have to prove that they are incapacitated and unable to perform an occupation that is suited to their educational and training level. The benefit is paid after a deferred period, the time between the claim and actual commencement of payment.
Income protection insurance typically covers:
* Mortgage payment
* Credit card payment
* Payment of bills
* [url=http://www.lcdmo.com/hollister.php]hollister pas cher[/url] Day to day living expenses
* Medical and rehabilitation costs
* Maintenance [url=http://www.mnfruit.com/airjordan.php]jordan pas cher[/url] costs for businesses
The insurance companies tailor the policies to meet the specific risk profiles based on the occupation. Income protection policies are able [url=http://www.jeremyparendt.com/jimmy-choo.php]jimmy choo chaussures[/url] to meet the specific needs of white collar workers, blue collar workers and self employed people.
How Income Protection Insurance Can Help during Global Financial Crisis:
Generally income protection insurance does not cover unemployment due to redundancy but income protection policies are flexible and can be customized to meet the current crisis situation and needs.
With the predictions of a second global financial crisis, the threat of unemployment is looming large which has led to surge in inquiries about income protection in case of unemployment due to redundancy. [url=http://www.jeremyparendt.com/jimmy-choo.php]jimmy choo paris[/url] To meet the crisis, insurance companies have come up with policies to meet the specific need of the current financial situation. On an average, a policy holder pays approximately two percent of their annual income as premium for the policy. For a higher premium, a worker can get [url=http://www.fayatindia.com/giuseppe-zanotti.html]giuseppe zanotti pas cher[/url] income protection which will [url=http://www.mxitcms.com/abercrombie/]abercrombie milano[/url] cover involuntary unemployment, lying to rest the looming fear of loss of income due to recession.
How To Choose The Perfect Policy
With wide array of policies available for different types of income protection, the task of choosing the right policy is tough. Every policy will [url=http://www.jeremyparendt.com/Barbour-Paris.php]barbour france paris[/url] have different terms and conditions for [url=http://www.osterblade.com]moncler outlet[/url] the claims, which if overlooked can lead to loss of requisite coverage. The premium charged for this kind of insurance will depend on several factors like:
* Age
* Gender
* Pre-existing health conditions
* Addictive habits
* Deferred period
* Benefit period
* Additional features of the policy
It is sensible to visit a reliable website which provides information on income protection coverage available, premium rates and deferred period of the policies. The online calculators available on the websites can help you find the best suited policy for a specific income type, based on the information you provide. Insurance companies also provide free insurance quotes to help customers make the right choice.
It is sensible to protect yourself from the upheavals caused by the global financial crisis with comprehensive income protection insurance which is tailored [url=http://www.lcdmo.com/hollister.php]hollister france[/url] to suit the specific income group and current financial situation.
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