Getting a grip

Finding good value income protection (IP) is not easy if you are a manual worker. Some providers charge prohibitively high premiums for cover, while others often refuse to even consider cover in this sector of the market. This lack of choice means that clients sometimes have to make do with an expensive offering from IP providers or a short-term accident and sickness contract. In addition to being expensive, the IP policies that manual workers are offered often come with quite harsh restrictions on the extent of cover. For example, it is not sufficient for a policyholder to be genuinely ...