What is the typical capital sum for permanent total disablement in PA and sickness policies?

The typical capital sum for permanent total disablement in personal accident (PA) and sickness policies is often standardized within industry practices. A capital sum of £20,000 reflects the generally accepted value for such coverage, as it aligns with the needs and expectations of policyholders seeking protection against the financial implications of total disability.

This amount serves as a benchmark representing a balance between affordability of premiums and the level of financial support required in the event of a severe life-altering incident. The figure of £20,000 provides a substantial safety net, allowing individuals to cover potential loss of income and additional expenses that may arise due to disability.

In contrast, the other amounts listed tend to fall below or above the common range for these policies, which may not adequately furnish individuals with the necessary financial resources or may be more reflective of lower-tier plans that offer limited security. Hence, £20,000 is viewed as a reasonable and practical sum in the context of personal accident and sickness insurance, resonating well with the expectations within the insurance market.