Insurance

insurance if i fall ill and cannot work

anyone know a good insurance company ....i am worried in case i fall illl or lose my job...i want something that will pay me equivilent to my wage for 2 years.....and maybe also pay my mortgage or rent....

luckyman Fri 04/04/08 19:17

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Postdog
Fri 04/04/08
19:30

with a name like yours?

sorry, just struck as funny.

Hymie
Sat 05/04/08
20:31

Most insurance covering what you’re after are limited to 12 months pay out – and don’t pay out until you have been out of/unable to work for 3 months.

Effectively you are only buying 9 months of cover. Many have so many exclusion clauses that you won’t qualify for any payment (did you disclose to the insurance company that you once went to see your doctor as a child, with a heavy cold?).

When you take into account the premium paid, you’d be better off scraping together savings of 9 months worth of essential living costs.

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