Age-related loan payment protection insurance gives exceptionally low cost cover to young and middle-aged people who need to protect their loan repayments against being unable to work due to injury, illness or involuntary unemployment. The cost is usually based on the monthly loan payment you want to cover and your age at the outset - premiums do not normally rise as you grow older. Claim payments are usually made if you have been off work for thirty consecutive days and are backdated to day one, with a maximum of twelve months payments.

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