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Comparing Income Protection Insurance Rates
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It may seem obvious that price is a key consideration when comparing income insurance - or anything else for that matter - but it's important to understand that there are a whole lot of factors that impact on your insurance quote (some of the main ones are discussed below) so it would be unwise to compare based on price alone.
A cheap price can be a sign that something that you might think important is missing - or simply that the company offering the policy looks more favourably on your occupation or other circumstances than other insurers. Here are some things to watch out for.
A policy with a price that looks a bit high doesn't mean that the policy terms or conditions are any better. There is no need to pay for features and benefits that are not relevant to you.
Remember, if you are ever unfortunate enough to make an income insurance claim, you will be a lot more concerned with the extent of your coverage than about how much money you saved on your premium.
Another important comparison consideration is whether the price is guaranteed for the life or the policy or whether it will increase each year with your age.
The lifetime cost of the policy that you choose is particularly important because, whilst you can always change policies, it becomes more difficult to do this given the potential changes in your health over time.
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