Permanent Disability Plus

In a perfect world we are all healthy enough to be financially secure - you can work to retirement age, on retirement, your finances are secure because you have a pension and you are also able to make financial provisions in case you die.


If you suffer an illness or serious accident without insurance you may be too ill to continue to work and so have no income on which to live. You may also have additional expenses, such as the need for nursing or special care. This means for the remainder of your working life you and your family suffer financially.

Purchasing a Permanent Disability Plus protects you and your family to ensure that if you are ill you may maintain your standard of living. It is an important cover to compliment Medical Expenses insurance and Life Assurance.

The Permanent Disability Plus has important features:

  • Accident and Illness.

You are four times more likely to be disabled from an illness than from an accident so it is important to be protected for both.

  • Flexible Benefits.

Up to a maximum of 10 x annual salary or USD 5,000,000 in all and 70% of your salary if monthly benefits are bought.

  • Up to 10 years.

With no change in annual premium or the policy terms or conditions.

  • Occupations.

Most policies are issued to protect you from being able to carry out your usual occupation.

  • Lump Sum Benefit - like a Life Policy.

If you are unable to work for 12 months and your condition is Permanent, the sum insured is paid in full as a lump sum and

  • Monthly Benefits in addition.

For shorter waiting periods you may add monthly benefits that pay first and in addition.

  • On-line quotations and easy applications.

Please contact your broker who will help you design a policy to suit you.

Terms and conditions apply.


Griffin Underwriting Ltd is reinsured 100% with certain Underwriters at Lloyd's, London and is registered in Guernsey under Registration No. 42359 and regulated by the Guernsey Financial Services Commission.

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