Rough and tumble.
Personal accident insurance is being sold through more and more non-broker outlets, although with many of these schemes, certain occupations and sporting activities are excluded. It is now time for brokers to fight back says Simon Threadgold.
Personal accident insurance started in the railway age, to protectpassengers travelling on the dangerous new steam trains. But the public
has become blase about the need for PA cover - it needs a fresh twist.
PA pays out a lump sum on accidental death, and a smaller sum for gruesome
injuries such as loss of limbs or eyes. There is also a lump sum for
permanent total disablement, and a weekly benefit for temporary total
disablement, lasting for up to 104 weeks.
The cover is often given free with
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