Income Protection Insurance

Income Protection Insurance (ASU), UK`s lowest cost Income Payment Protection Insurance, provides you with a monthly income if you become unable to work through accident, sickness or unemployment giving you time to find a new job or recover from illness. With our income protection insurance no medicals are required and individual habits such as smoking do not affect your premium or your eligibility.

The monthly benefit is a proportion of your net income and varies between providers, usually to a maximum of 75% but with a benefit limit, again variable, of up to £2,000 whichever is the lesser. You may choose any proportion of that amount to be paid in monthly installments for a length of time that is determined by the benefit period you choose, usually to a maximum of 12 months for any one claim. This tax free sum is paid directly to you to spend as you wish and will allow you to continue to pay your monthly bills and provide the essentials for yourself and your family until you are able to return to work.