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The following article was published in our article directory on December 7, 2009.
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Do I Need Payment Protection Insurance?

Article Category: Business

Payment Protection Insurance (PPI) is a loan that is provided to cover a debt that is currently exceptional. It is an insurance product in the shape of loan or an overdraft, and is usually sold by banks, insurance companies and other credit providers as an add-on to the loan or overdraft. The credit providers offer this loan to you if you are incapable to pay some debt on time due to financial crises.

Payment Protection Insurance is at times also recognised as Credit Protection Insurance or Loan Repayment. The suppliers of this insurance can vary faintly however, Payment Protection Insurance covers a person against an accident, unemployment, illness or death. All these are conditions that may be a cause for preventing a person from earning a salary by which they can pay their debt.

This insurance typically covers a minimum repayment against the loan or overdraft for a particular period, if all the suitable criteria are met. Usually this time lasts for about 1 year or so. After this time, the person must discover some other sources to repay the debt. Usually people are able to find or start their work again by this time so they can refund the debt themselves.

Payment Protection Insurance though helps to repay your debt at the time of crises but obtaining it is not an simple task. You can evaluate if you need payment Protection Insurance by thinking over a few things. You should choose whether insuring your loans is a need for your routine.

For example if you are old or very expected of getting an illness; if you have a large family to support or if your financial conditions are pretty harassed, then you have a need for payment protection Insurance. If you are self-employed, then there is no point in taking PPI. Even if you are working part time or are suffering from any sickness, then you should not go for Payment Protection Insurance as it is possible that you would not be able to repay your debts even after the time for PPI is over.

If you have any sickness like cancer and you are eager to get PPI, then it is unnecessary. Lenders are alert of the reality that these diseases can be diagnosed and treated much earlier than in the past and they are unenthusiastic to offer the loan. So the diagnose would not certainly end up in getting you this loan.

Before deciding whether you need a Payment Protection Insurance, you must confirm on your company's policy concerning long-term disease. Many firms and companies pay you salaries in case of serious sickness. Also, some of the superior companies have schemes under which they pay you your salaries for as long as 6 months.

In such a case, you would not need Payment Protection Insurance to repay your debts. Also, if your spouse or partner is earning well and can support you while you are sick, then again you do not need a PPI. Although PPI is very helpful when you are in crises, before taking it, you should logically decide if you need it or not. Not only is it difficult to get it, PPI also does not come economical.

Keywords: PPI Claim, Unenforceable Credit Agreement,

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