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Consumer group Which? has added income protection products to best buy lists

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It says, “Income protection is the one form of protection most of us need but hardly anyone has it. The financial services industry must shoulder most of the responsibility for this. When you buy a mortgage or loan you will often come out with a protection policy tucked under your arm – the problem is it is usually the wrong one. Insurance products like payment protection and mortgage payment protection sound similar, but these policies only cover a specific debt – like your mortgage payments or loan repayments – they will not give you any income to pay other essentials like bills. They also pay out for a limited period – usually 12 months, unlike income protection which pays out until you can get back to work or until the end of the policy term whichever is longer.”

Income protection insurance news: 11 March 2011

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