Hi all, I'm answering this question at the moment, where it asks about the difference between agreed and indemenity value protection. I understand the difference between the two (agreed is a fixed unalterable amount and indemnity is the agreed amount or 75% of pre-disabililty - whichever is lower). The question asks which is more appropriate for an employed or self-employed person. It would seem that they are subtely implying that one plan is better than the other. However I can't understand why an indemnity plan would ever be better? With an agree plan I'm always getting the agreed amount (indexed against inflation). With indemnity I'll only ever receive 75% of the payment. If I started earning enough money that the 75% of my salary was equal to the agreed amount, then surely you would then increase the agreed amount to an amount which is 100% of your salary. I must be missing something vital, but in what possible scenario is an indemnity plan better? Thanks in advance!