Some of the products offered by lenders have a built-in 60-day excess, for example Alliance & Leicester, or a 30-day exclusion, such as the Halifax. In other words, the policy does not pay out until a borrower has been off work ill for a minimum of 30 or 60 days. Many customers just cannot envisage such a long period of illness. |
The flashing sale signs entice customers but there can often be myriad conditions. |