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”How long will I have to wait for my Over 50 Income Protection Life Insurance to start paying out?”

How soon will my Over 50 Income Protection Insurance start paying out?
It will usually start to pay out at your agreed deferred payment duration. The longer your deferred date the cheaper your premiums will be (think of it in terms of your excess with a car insurance policy).
What you need to take into account is how long your employer will pay you sick pay for and then you will have your deferred date.
You can not receive both sick pay and income protection insurance at the same time.

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