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Income Protection Insurance : Best policies


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I am looking for Income Protection Insurance policy which will not exclude mental health problems.

 

I have had a mental health problem in the past, and am currently off work with stress & anxiety and I need a policy which will include these if I should ever suffer again in the future - which I hope not!

 

Any advice on good insurers who do not charge a fortune would be really appreciated.

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My understanding is that most, if not all, ppi policies will exclude pre-existing conditions. You may need a tailored policy, but that would probably cost a bit.

 

You could of course argue that stres and anxiety would happen to any person under the given circumstances, and is therefore not really something that should fall under pre-existing conditions. But I think that is a stretch and pretty risky.

 

I too am looking fo a decent PPI. If I com across one, I will post.

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