Payment Protection Insurance at Portwoods

What we can offer

What we don't do

	A range of Insurance Companies
	Online application in many cases
	All policies are on 'back to day one' after 30 days waiting
	Option in most cases for: accident and sickness only, Redundancy only, or combined cover
	Employed, self-employed and company directors
	Benefits paid for 12 months
	Cover for mortgages, loans, rent and other monthly bills
	All underwriting done at point of sale - not point of claim.
	No initial exclusion for redundancy on some policies for new mortgages/ change of insurer

If you call us then we will also:

	Make a full assessment of your needs
	Make sure the policy is suitable for you.
	Advice on any aspect of your insurance needs
	Confirm cover for pre-existing conditions

	Pressure people into taking out policies.
	Recommend policies based on commission earnings
	Impose excesses to reduce premiums

Please note that for most of these policies you must be between 18 and 60, a UK resident in full time employment, self employed or a company director. If self-employed or a director with control over employment then policy will be based on 'cessation of business'

Please note that pre-existing conditions will be excluded until you can comply with policy wordings relating to treatment and that policies will exclude back problems - unless certified that this is the reason for being unable to work.

If you request payments on other than mortgage-protection then these payments will count as income - this could affect entitlement to means-tested benefits after the 6-month JSA for instance.

Benefits usually start 30 days after 1st qualifying date - this is usually the date you can 'sign on'. Please note that if you are paid 'cash-in-lieu' the initial date is the end of the notice period. We do NOT recommend policies with excess dates i.e. so you can't claim until 60,90,120 or (god forbid) 180 days after losing your income