What's a good deal on income replacement?

rkbargainhunter

I took out an Income Replacement Plan on the advice of an IFA when I bought my first home in 2007. I have struggled to be able to find any policies to compare against on the internet, I currently pay around £40 per month and am looking to reduce this if at all possible. The cover is for incapacity through illness or injury. Does anyone know of any good deals on income replacement currently on the market that will save me some money?

dunstonh

The cover is for incapacity through illness or injury.

That suggests its a PHI policy and not a PPI or MPPI....

I have struggled to be able to find any policies to compare against on the internet

....which would make sense of that as PHI has very little internet coverage as its not a high profit type of insurance and its mostly done the old fashioned way with manual applications. Plus, you have multiple levels of cover and some plans fall under investment class authorisation and not protection. All these things means the internet quote portals are not that interested in it. They cherry pick the easy and profitable stuff.

Does anyone know of any good deals on income replacement currently on the market that will save me some money?

Your IFA will.