Welcome to the Medical Insurance, Life insurance, Critical Insurance, Income Protection Insurance and Pension division of Programmes for Wealth International

Programmes for Wealth International (PWI) are independent providers of Medical, Life, Critical Illness, Income Protection and Pension products to clients in over 90 countries. Our award winning web site is now officially listed in the top 1% in the world in terms of popularity, and in conjunction with our Medical, Life and Pensions Research and Analysis Centre, we are confident that we can create a solution to our clients' protection and retirement needs. There is no doubting the fact there is a huge demand for quality advice and guidance in these particular areas and we are happy to help those of you that have already contacted us to establish whether, or not, you were getting value for money on your existing schemes.

Needing to make provisions for your protection through the purchase of certain types of insurance, and providing for a comfortable retirement are facts of life in this modern, fast paced world. Programmes for Wealth International offer a free quotation and advice service to global clients and expatriates, for all your protection and pension needs. We offer "Best Advice" on the full available range of international insurance and pension products in the market. Our plans may be purchased by those living and working in countries other than those on their passports. We advise individuals, families, companies, groups, and global corporations.

• Are you paying too much for your existing Medical and Life cover?

• Have you made adequate income arrangements for when you decide to retire?

• What about your income replacement in the event of an accident or illness?

• Are you sure?

Why don't you contact us at medlifepen@progs4wealth.com and provide us with the details of your current medical, life and pension provisions. Our team of specialists will then research, and confirm, that you are receiving the best possible deal. If not, we will recommend the best suitable alternative to your needs. Why waste your hard earned money if there are better deals out there for you?

We are able to provide you with support and guidance in the following areas:

International Medical Insurance
International Medical Insurance provides those of us who are living and working abroad with the cost of hospital or out-patient treatment. This ultimately proves to be expensive and difficult to arrange, particularly in an emergency. As you are away from your home country, the last thing you will want to do is take a chance on whether or not you would need to be hospitalised due to illness or accident. If we value our health, it must make sense for us to take care of it! Falling ill overseas can be a crippling experience, mentally, physically and financially, as many case histories will show. To learn more click here.

International Life Assurance
International Life Assurance ensures that your family and loved ones are protected against financial disaster in the event of a premature death. Combined with investments, retirement and estate planning, life insurance is a fundamental part of a sound financial plan. With our help, you can develop a complete plan that will protect you and your family against unforeseen events, safe in the knowledge that future financial objectives can still be achieved. Did you know that only 20% of people provide adequate cover for their families? To learn more click here.

Critical Illness Cover
Critical Illness Cover provides you with a cash lump sum, normally 2-3 times your total annual income, if you become permanently disabled due to illness or accident; or diagnosed as having suffered one of a number of specified critical illnesses such as cancer, heart attack or even a stroke. You should consider Critical Illness cover as an essential protection benefit, what would happen to you and your family's lifestyle if you were to suddenly suffer from as serious injury or illness. Statistics state that you are potentially 4 times more likely to need this protection before you reach the age of 60, than you are with pure Life Insurance. To learn more click here.

Income Protection
Income Protection provides you with a replacement income if you were unable to work due to illness or injury that kept you away from your work. Unfortunately, many of us rely entirely on our employers' providing us with health benefits but how long do they actually last? If you had an accident or illness for a prolonged period of time, how long would your company continue to pay your salary for? Up to 3 to 6 months perhaps? What would happen if your income were to suddenly cease because you had become ineligible for further benefits. Can you imagine the stress and the worry this would cause whilst you were recuperating? Premiums are calculated on your occupation and benefit required. To learn more click here.

Retirement Planning
We spend abut 40 years on average in our working lives and enjoy the fruits of our labour that our regular income provides. However, what happens when we stop working either because we have reached the company's mandatory retirement age or we are forced to retire early owing to illness or injury? What have you set aside for this eventuality? How much do you think you actually need as an income? Are you sure that you securing enough pension benefits for your future or taking steps to stop or reduce your working hours to enjoy the things you really want to do. Does 52 weeks of holiday per year sound affordable? To learn more click here.