Phil Deacon: Adding Premium Waiver to the Guardian IP proposition

Income Protection cover is an important safety net for people to help them pay for the basics when they're too ill to work. It's a tremendous relief to have this financial protection kick in when they need it, but few clients want to be in this position for long. They want to recover and get on with their life as best they can. With Guardian's launch into Income Protection, a question I was asked recently was: ‘Why is it that, for two people in the same job who suffer the same illness, one person recovers quickly and gets back to work after a few weeks, while the other is not able to go ...