Income Protection
Income Protection
This policy is designed to provide an income in the event the insured individual is unable to work due to ill health.
The level of premium will depend upon the amount of benefit and term selected and most policies cease to pay the benefit once the insured is able to return to work. Income Protection policies are usually written to retirement age or 60 if earlier.
Accident, Sickness & Unemployment (ASU)
ASU policies were traditionally sold to accompany mortgages, allowing for a regular income to be paid to the insured should they be unable to work due to ill health, an accident (or lose their job).
The product can be split down, and unemployment cover is usually the optional extra available for an additional premium. Benefits are only usually paid for a specified time for example 12 months. It is important to compare ASU and Income Protection closely as one may be more suitable than another.
It may also be possible to use the 2 products to work in tandem with each other.
Awards and Accreditations
Highly recommended to friends and relatives. Contacting Christina was the best thing we ever did. We wouldn’t be in the financial position that we are, without her.
Mr & Mrs L
We have been very happy with the service and everyone we have spoken to at the office has been very helpful.
Mrs P
The quality of service from Adele and everyone at the company was excellent, in fact the service we received was better than that.
Mr & Mrs F