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Income Protection: The Must-have Insurance

In In The Press, Insurance, Protection by PCH Staff

Income Protection is often seen as a luxury item by individuals and an unnecessary expenditure by employers. However, we suggest that this is the most important single insurance for everybody to consider. Without it how can a person look after themselves or their family if they can’t work due to sickness or an accident? This article proves that none of …

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Six in Ten Construction Workers Mistakenly Believe They Have Health and Protection Cover

In In The Press, Protection by PCH Staff

Recent research has found that a worrying six in ten construction workers are mistaken about their health and protection cover, believing that employers automatically cover them for accidents and injuries sustained in the workplace. This is a particular concern for the construction industry, which involves a number of potential dangers for employees despite sustained efforts and improvements to the health …

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IP Vital in Reforming ‘broken’ Welfare System – Abi Report

In In The Press, Industry News, Protection by PCH Staff

The Association of British Insurers (ABI) has suggested that the government needs to overhaul the UK welfare system and support families in establishing a safety net with the help of income protection. In its Welfare Reform for the 21st Century paper the ABI has set out the case for income protection to play a more fundamental role in the workplace. …

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Income Protection – How to Understand How Much Sick Pay You Are Entitled to?

In Family, In The Press, Protection by PCH Staff

How much attention have you paid to your employment contract? More specifically, how much attention have you paid to your sick pay entitlement? Like many people, unless it’s something you particularly needed at the time of employment, you probably just skimmed over that section of your contract. But what if you have an accident or get ill, and are out …

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If Your Circumstances Change There’s a Strong Likelihood That Your Insurance Protection Should Too

In Family, In The Press, Insurance, Protection by PCH Staff

It’s undeniable that our lives are constantly changing – sometimes for better, sometimes for worse. But as our lives and situations change, so should our financial safeguards. After all, they are the measures that we have put in place to ultimately protect ourselves, our families, our homes and our lifestyles in the event of uncertain circumstances arising. However, quite worryingly, …

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PCH Consultant Q&A August 2014 – Caroline Robinson

In In The Press, Industry News, Protection by PCH Staff

This month we have the pleasure of chatting with Caroline Robinson one of our outstanding corporate employee benefits consultants, based in Leicestershire. Caroline talks about her time in the industry, what expertise she anticipates people needing as they plan for the future and where she sees the industry going as a result of recent trends… Hi Caroline, great to chat with …

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Who Will Help When You’re Not in a Fit State?

In Family, Protection by PCH Staff

A claim on a protection product (Life insurance, Critical illness, Income protection, etc.) will always take place at a most stressful and vulnerable time as you or a loved one becomes seriously ill or passes away. One of our advisers Les Schroeter found himself in an unfortunate situation when he had to advise a personal family member on how best to …

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Discounted Life Insurance

In Family, In The Press, Protection by PCH Staff

You can save up to 47% on your life insurance premium if you are a company director or an employee of any organisation. Traditionally personal life insurance cover is paid for out of your taxed income.  Such income will have already been subjected to employers and employees NI, and taxed at your marginal tax rate. This can now be done …