About Accident & Sickness Protection

Accident and Sickness Protection can be the most crucial form of income protection that you may have.

There are many personal insurance options available that can be customised to suit your specific needs. In the event of illness or an accident, this cover will provide you with a tax-free monthly benefit to assist with expenses such as mortgage/rent payments or household bills, ensuring that you and your family are protected.

This cover is suitable for part-time, full-time, and self-employed individuals, and it protects your income, home, and family. You can protect your income against accidents and sickness, and we will compare the entire UK market to save you time and money.

With the option to cover up to 70% of your gross monthly income and specialised advisors for high-income earners, you can rest easy knowing that you will be covered until you make a full recovery.

Starting at just £0.69 per day, this coverage is a small investment in your future that your future self will thank you for.

There are many options which means it can be tailored to meet either/or both your budget or particular needs. For example, the cost will differ on whether, for example, you receive the money immediately or when you have exhausted your savings or company sick pay period.

Example pricing: If you are 30, a non-smoker and in good health, then a premium of around £15 per month could provide a monthly income of £1,000 for up to 2 years. For around £30 per month you could extend the period it pays out from 2 years to c.38 years (to state retirement age for a 30-year-old) if you’re unable to work due to accident or sickness.

Knowing you’ve chosen the right protection solution is only achieved if you have received professional advice. There are many Protection providers and each has their own specialisations and exclusions which means policies taken out online or without independent advice are often not paid out.

Lightblue Online was set up to provide specialist help to people unsure how to go about choosing from the many Protection products available. For example, some policies will require a medical whilst others may not and Income Protection underwriters do not use a set list of conditions with many insurers operating without standard exclusions. So it’s important to make sure that if you’re buying a policy it’s the right one for you.

Our specialists will help you to navigate all the options to find the cover that is right for you and your family at an affordable rate.