Factsheet: Income protection insurance | Money

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The monthly payment continues until you go back to work or you reach retirement age, although budget policies usually limit the payout to five years.</p><p>Income protection insurance is generally considered to be a must-have for the self-employed who would not have enough to live on if unable to work because of ill health or accident. If you are an employee, whether you need this sort of insurance depends on what your employer would provide in the way of sick pay and/or retirement benefits if you were too ill to carry on working. </p><p><h2>What is covered</h2></p><p>Income protection insurance pays out when you become ill or suffer an accident and, as a result, you are left unable to work. </p><p>But how "unable to work" is defined varies from policy to policy and can be any of the following: </p><p><strong>·</strong> An inability to do your own job </p><p><strong>·</strong> An inability to do your own or a similar job for which you are qualified </p><p><strong>·</strong> An inability to do any kind of paid work</p><p>A policy which pays out simply if you cannot do your own job is clearly better than one which pays out only if you are unable to do any sort of paid work and as a result, this is the most expensive type of cover.</p><p> <span class="inline"> <img src="http://web.archive.org/web/20090723093346im_/http://static.guim.co.uk/sys-images/Guardian/Pix/red/blue_pics/2007/10/09/nurses220.jpg" alt="Intensive Care unit at Middlesex hospital, Euston, London" width="220" height="130"/> </a> <span class="caption" style="width: 220px;"> Income protection policies pay out if you fall ill or have an accident. Photograph: Frank Baron </span> </span> For a limited period, some policies also make a "partial" or "rehabilitation" payment if you are able to return to your old job but in a reduced capacity - part-time, for example. </p><p>Some policies also make a 'proportionate' payment which tops up earnings if you go back to work full-time but take a lower-paid job.</p><p><h2>What is not covered</h2></p><p>No policy will pay out while you continue to receive your full salary. Most policies will not pay out until you have been off work without pay for a "deferred period" of at least four weeks. You can choose a longer deferred period – of up to 52 weeks - which reduces the cost of insurance. If your employer offers sick pay for a set period, it may be wise to choose a deferred period of the same length.</p><p>To make sure that you don't profit from the insurance, all policies put a limit on the amount you can claim. Typically, the amount paid by the policy plus money from any other insurance that pays out when you are ill plus any sick pay or state benefits must not come to more than three quarters of your before-tax earnings over the past 12 months.</p><p>Policies do not cover you if you are unable to work as a result of: </p><p><strong>·</strong> Health problems you had before taking the policy out – called "pre-existing medical conditions"</p><p><strong>·</strong> Taking part in dangerous sports or other activities which you failed to disclose when applying for the policy</p><p><strong>·</strong> Self-inflicted injury</p><p><strong>·</strong> Alcohol or drug abuse</p><p><strong>·</strong> Pregnancy or childbirth<br/> <br/><h2>Buying income protection insurance</h2></p><p>What you pay for income protection insurance depends on your age, sex, state of health and the kind of work you do. Women tend to face higher premiums as do people in jobs where there is high risk of physical injury. </p><p>When you buy income-protection insurance, you will need to decide: </p><p><strong>·</strong> How much you want the policy to pay out; </p><p><strong>·</strong> How long you want cover to last</p><p><strong>·</strong> How long you are prepared to wait before payment is made</p><p><strong>·</strong> Whether you want to build in increases to the cover - to keep up with inflation, for example</p><p> <span class="inline"> <img src="http://web.archive.org/web/20090723093346im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/01/Wallet.jpg" alt="Wallet with money" width="220" height="130"/> </a> <span class="caption" style="width: 220px;"> The cost of cover depends on a wide range of factors, including your age and sex. Photograph: Roger Tooth </span> </span> Because policies vary - and insurers differ in their attitude to the risks posed by different jobs - it is worth buying through an independent adviser or a broker who specialises in protection insurance. </p><p>An adviser will be able to trawl through all policies on the market and should be able to find the one offering the best cover for your particular circumstances. </p><p><h2>Making a claim</h2></p><p>Your policy document will tell you when you should tell your insurer that you are ill and are likely to claim. If you are still ill once the deferred period has ended, you should start to receive payment once you have completed your claim form and the insurer has checked things out with your doctor (if necessary). </p><p>While you are receiving payments under the policy, you will usually have to provide monthly medical certificates from your doctor as ongoing proof of your ill health.</p> </div> </div> <div id="related"> <ul id="article-toolbox-side"> <li class="printable"><a href="http://web.archive.org/web/20090723093346/http://www.guardian.co.uk/money/2007/oct/25/healthinsurance/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20090723093346im_/http://static.guim.co.uk/static/76753/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" 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"inactive"; } show(this); this.className = ""; return false; } } } function show(s) { hide(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hide() { var toggleable = document.getElementById('finance-guides').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { var divClass = toggleable[i].className; if(divClass.match(/finance-pane/)) { toggleable[i].style.display = 'none'; } } } function initFinanceTab(){ document.getElementById('finance-pane-anchor-0').onclick(); } //]]> </script> <div class="capsule"> <h3>Our selection of best buys</h3> <ul id="finance-guides-nav" class="tab-toggle"> <li><a id="finance-pane-anchor-0" href="#finance-pane-0">Mortgages<b></b></a></li> <li><a id="finance-pane-anchor-1" href="#finance-pane-1">Credit cards<b></b></a></li> <li><a id="finance-pane-anchor-2" href="#finance-pane-2">Loans<b></b></a></li> </ul> <div id="finance-guides" class="trailblock"> <div id="finance-pane-0" class="finance-pane active-pane"> <div class="finance-table"> <table id="mortgage-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3444&Type=F" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{1}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Halifax</th> <td>6.39%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3639&Type=F" name="&lid={compareAndBuyPromo}{Halifax|link|Money}&lpos={compareAndBuyPromo}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3444&Type=V" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{3}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090723093346/http://guardian.lcplc-online.co.uk/bestbuy.aspx" name="&lid={compareAndBuyPromo}{See more mortgage best buys|link|Money}&lpos={compareAndBuyPromo}{4}"> See more mortgage best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090723093346/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={compareAndBuyPromo}{Get a personal quote|link|Money}&lpos={compareAndBuyPromo}{5}"> Get a personal quote </a> </li> </ul> </div> <div id="finance-pane-1" class="finance-pane"> <div class="finance-table"> <table id="credit-card-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Name</th> <th scope="col">BT Rate</th> <th scope="col">BT Period</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Virgin Credit Card</th> <td>0%</td> <td>16 mths</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" name="&lid={compareAndBuyPromo}{Virgin Credit Card|link|Money}&lpos={compareAndBuyPromo}{6}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">NatWest Platinum</th> <td>0%</td> <td>15 mths</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{NatWest Platinum|link|Money}&lpos={compareAndBuyPromo}{7}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">MBNA Platinum</th> <td>0%</td> <td>Until 01/09/2010</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1300&ProviderID=553&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/OUT/go/151830639/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{MBNA Platinum|link|Money}&lpos={compareAndBuyPromo}{8}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cardsbestbuys" name="&lid={compareAndBuyPromo}{See more credit cards best buys|link|Money}&lpos={compareAndBuyPromo}{9}"> See more credit cards best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cards" name="&lid={compareAndBuyPromo}{Compare over 300 credit cards|link|Money}&lpos={compareAndBuyPromo}{10}"> Compare over 300 credit cards </a> </li> </ul> </div> <div id="finance-pane-2" class="finance-pane"> <div class="finance-table"> <table id="loan-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Typical APR</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>7.9%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={compareAndBuyPromo}{Sainsburys Personal Loan|link|Money}&lpos={compareAndBuyPromo}{11}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" name="&lid={compareAndBuyPromo}{See more loan best buys|link|Money}&lpos={compareAndBuyPromo}{12}"> See more loan best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090723093346/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loans" name="&lid={compareAndBuyPromo}{Compare over 500 loan providers|link|Money}&lpos={compareAndBuyPromo}{13}"> Compare over 500 loan providers </a> </li> </ul> </div> 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multi-trip holiday insurance from £39 and single trip travel insurance from £2.50</p> </div> <div class="capsule commercial"> <h3>Property search</h3> <script type="text/javascript"> //<![CDATA[ function hb_find_a_house(buyOrRent, position) { _hbLink('{find a house}{'+ buyOrRent +'|Money}','{find a house}{'+ position +'}'); return true; } if (document.getElementById && document.getElementsByTagName && document.createTextNode) { addEvent(window, "load", initShowProperty); } function initShowProperty() { var toggleProperty = document.getElementById('find-a-property'); var propertyTabs = toggleProperty.getElementsByTagName('a'); for (var i = 0; i < propertyTabs.length; i++) { propertyTabs[i].onclick = function() { showPropertyTab(this); return false; } } } function showPropertyTab(s) { hidePropertyTab(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hidePropertyTab() { var toggleable = document.getElementById('toggleable').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { toggleable[i].style.display = 'none'; } } //]]> </script> <div id="find-a-property"> <ul class="tab-toggle"> <li> <a href="#find-a-house-to-buy">Buy<b></b></a> </li> <li> <a href="#find-a-house-to-rent" class="inactive">Rent<b></b></a> </li> </ul> <div id="toggleable"> <div id="find-a-house-to-buy"> <form onsubmit="hb_find_a_house('buy', 1)" target="_top" method="post" action="http://web.archive.org/web/20090723093346/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Buy</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000">£3,000,000</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000" selected="selected">£3,000,000+</option> </select> </p> <p> <label for="bed">Min bedrooms:</label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="1" type="hidden"/> </p> <p class="results"> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> <div id="find-a-house-to-rent" class="initially-off"> <form onsubmit="hb_find_a_house('rent', 2)" target="_top" method="post" action="http://web.archive.org/web/20090723093346/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Rent</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="0" selected="selected">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000">£10,000 pcm</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="0">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000" selected="selected">£10,000 pcm</option> </select> </p> <p> <label for="bed">Min bedrooms: </label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="2" type="hidden"/> </p> <p> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> </div> <p>Powered by <img src="http://web.archive.org/web/20090723093346im_/http://static.guim.co.uk/static/76753/common/images/thinkproperty-logo.gif" alt="thinkproperty.com" class="inline-image"/></p> </div> </div> <script type="text/javascript"> //<![CDATA[ function CheckPostcode(){ var userEnteredPostcode = document.getElementById('IFApostcode').value; if (userEnteredPostcode.length<5) { if (userEnteredPostcode.length<1) { alert('You have not entered your postcode'); } else { alert('You have entered an incomplete postcode'); } document.getElementById('IFApostcode').focus(); return false; } _hbLink ('{findifa-search}','{findifa-search}{1}'); return true; } //]]> </script> <div class="capsule" id="find-ifa"> <form action="http://web.archive.org/web/20090723093346/http://www.unbiased.co.uk/gu/input.asp" id="PCInput" onsubmit="return CheckPostcode()"> <h3>Find an independent financial adviser</h3> <h4>Search from 9,000 locations UK-wide to find an independent financial adviser near you</h4> <div class="capsuleform"> <div class="text-input-row"> <label for="IFApostcode">Enter your postcode:</label> <input type="text" size="10" name="postcode" id="IFApostcode"/> </div> <div> <input type="checkbox" name="AreaSplitC"/><label for="AreaSplitC"><abbr>IFA</abbr>s for consumers</label> </div> <div> <input type="checkbox" name="AreaSplitB"/><label for="AreaSplitB"><abbr>IFA</abbr>s for businesses</label> </div> <div> <input type="submit" value="Search"/> </div> </div> </form> </div> <div id="sponsored-features" class="capsule sponsored-features commercial"> <script type="text/javascript"> //<![CDATA[ function showSponsoredFeatures() { var sponsoredFeatureComponent = document.getElementById('sponsored-features'); if(sponsoredFeatureComponent) { sponsoredFeatureComponent.style.display = 'block'; } } //]]> </script> <ul class="trail trailblock tri"> <li class="major-heading"> <h3>Sponsored features</h3> </li> <li class="normal image odd"> <script type="text/javascript" src="http://web.archive.org/web/20090723093346js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature1&comfolder=health&keywords=%2CMoney%2CHealth%2Binsurance%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2007%252Foct%252F25%252Fhealthinsurance&rand=-1506543491&system=article&blockVideoAds=false"></script> </li> <li class="normal image"> <script type="text/javascript" src="http://web.archive.org/web/20090723093346js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature2&comfolder=health&keywords=%2CMoney%2CHealth%2Binsurance%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2007%252Foct%252F25%252Fhealthinsurance&rand=-1491402135&system=article&blockVideoAds=false"></script> </li> </ul> </div> <div id="global-jobs" class="capsule jobsbox"> <h3><a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/?gusrc=gu_jobs_box_Money&link=Money_jbx_logo" name="&lid={rules/jobsBox}{Guardian Jobs}&lpos={rules/jobsBox}{1}"><img src="http://web.archive.org/web/20090723093346im_/http://static.guim.co.uk/static/76753/common/images/guardianjobs.gif" alt="Guardian Jobs"/></a></h3> <ul class="tab-toggle javascript-on"> <li id="global-jobs-1-link"> <a href="#global-jobs-1" class="active">UK<b></b></a> </li> <li id="global-jobs-2-link"> <a href="#global-jobs-2" class="inactive">USA<b></b></a> </li> </ul> <div class="pane-wrapper"> <div id="global-jobs-1" class="global-jobs-pane tab-toggle-pane"> <h3 class="js-hider">UK</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/searchjobs/" onsubmit="return doSearchAllSubmitUK( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="freetext" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <ul class="jobs"> <li class="odd"><h4> <a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/job/890992/speechwriter?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Speechwriter|Money}&lpos={jobsBox}{2}">Speechwriter</a></h4> <p><span class="employer">birchwood knight.</span> <span class="location">london.</span> <span class="wage">Up to £60,000.</span> </p> </li> <li><h4> <a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/job/891422/finance-director?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Finance Director|Money}&lpos={jobsBox}{3}">Finance Director</a></h4> <p><span class="employer">odgers select.</span> <span class="location">bristol.</span> <span class="wage">Circa £50,000.</span> </p> </li> <li class="odd"><h4> <a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/job/892452/pt-assistant-director-of-finance-and-resources?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{P/T Assistant Director of Finance and Resources|Money}&lpos={jobsBox}{4}">P/T Assistant Director of Finance and Resources</a></h4> <p><span class="employer">barnardos.</span> <span class="location">essex.</span> <span class="wage">£40,338 - £49,817 pa.</span> </p> </li> </ul> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUK( form ) { var 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tab-toggle-pane initially-off"> <h3 class="js-hider">USA</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090723093346/http://www.guardianjobs.com/" onsubmit="return doSearchAllSubmitUSA( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="q" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090723093346/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <textarea id="jobs-box-usa-textarea" style="display:none;"> {for result in results} <li> <h4> <a href="${result.url}">${result.jobtitle}</a> </h4> <p> <span class="description">${ result.snippet }</span> <span class="location">${ result.state }</span> </p> </li> {/for} </textarea> <script type="text/javascript"> //<![CDATA[ var userip = '207.241.235.66'; var country = 'usa'; var isUSA = (country.toLowerCase() == 'usa') ? true : false; var jobsBoxView = new guardian.r2.JobsBoxView('jobs-box-usa', 'jobs-box-usa-textarea'); var jobsBoxService = new guardian.r2.JobsBoxService('%22Director%22', userip); /* category, location */ var jobsBoxController = new guardian.r2.JobsBoxController(jobsBoxView, jobsBoxService, isUSA); //view, service, locationIsUSA //]]> </script> <ul id="jobs-box-usa" class="jobs"> <li class="javascript-on">Loading jobs...</li> </ul> <p class="attribution javascript-on"><a href="http://web.archive.org/web/20090723093346/http://www.indeed.com/">jobs</a> by <a 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