Discover the Benefits of Accident and Sickness Insurance

ACCIDENT AND SICKNESS INSURANCE COVER, TAILORED TO YOUR UNIQUE NEEDS AND PREFERENCES.

Ensuring the safety and protection of you and your family is crucial. Cover is designed to cater to everyone, whether you’re a part-time or full-time worker, or self-employed, protecting your income, home, and family. Accident and Sickness Protection can be the most crucial form of income protection that you may have.

Complete our Swift 30-second form to acquire a tailor-made Income Protection Insurance Quote

Effortlessly compare quotes and discover the cover that perfectly aligns with your individual needs.

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Cover Type:Accident and Sickness

Monthly Income Required:Please Select£500£750£1,000£1,250£1,500£1,750£2,000£2,250£2,500£2,750£3,000£3,250£3,500£3,750£4,000£4,250£4,500£4,750£5,000£5,250£5,500£5,750£6,000£6,250£6,500£6,750£7,000£7,250£7,500£7,750£8,000

NB all providers will offer different monthly amounts, ranging from 50% - 70% of your gross annual income. 

How long can you wait before the benefit is paid to you:Please Select0 Weeks1 Week1 Month2 Months3 Months6 Months12 Months24 Months

The deferred period in income protection refers to the amount of time you must wait after becoming unable to work due to illness or injury before you start receiving benefit payments from your insurance policy.

Have you smoked or used a tobacco/nicotine product in the past 12 months:Please selectYesNo

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Employed or Self Employed:Please selectEmployedSelf-EmployedCompany Director

Occupation: *

Your occupation is one of the factors that affects your insurance premium. Some occupations are considered more risky or hazardous than others, and may increase the chance of illness or injury.

Annual Salary

Please enter the amount you earn on average each year before tax and national insurance is deducted. This can include regular bonuses and commissions. If you are self-employed, this will be your taxable net profit (earnings after expenses but before tax).

Date of Birth: *

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Name *

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What’s the best number for you? *

Email *

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Secure your family’s future and protect your income in the event of illness or injury. There are plans for short-term payouts of 1/2/5 years or long-term payouts until retirement. We offer solutions tailored to your needs.

Securing Your Livelihood

Unforeseen events like accidents or illnesses can disrupt your financial stability, highlighting the importance of safeguarding your family’s well-being. Income Protection Accident and Sickness Insurance serves as a crucial resource, offering financial support to your loved ones during unexpected circumstances.

We specialise in providing personalised accident and sickness insurance cover sourced from across the entire UK market. Our comprehensive plans include a tax-free monthly benefit designed to help with essential expenses such as mortgage or rent payments, as well as household bills, ensuring the security of both you and your family. Our services cater to individuals in various employment statuses, including part-time, full-time, and self-employed, with a strong commitment to protecting your income, home, and family.

By conducting a thorough comparison of the entire UK market, our team empowers you to make informed decisions that optimize both time and financial resources. Additionally, our specialised advisors cater to high-income earners, offering coverage that can secure up to 70% of your gross monthly income.

Based in the UK, we provide impartial financial guidance and offer complimentary quotes from genuine experts, ensuring a smooth and informed journey through the insurance process. Our mission is to assist you in finding the most suitable insurance coverage to safeguard your family’s financial stability.

OPTIONS FOR ACCIDENT AND SICKNESS COVER

When it comes to income protection, the variety of options you select influences the overall cost. Different insurers apply varying weights to these options. Hence, it’s crucial to define your needs and preferences to identify the most suitable Accident and Sickness policy available in the market.

DEFERRED PERIOD

This refers to the duration, in weeks or months, during which you can rely on your savings or company sick pay before initiating the income from the insurer. Opting for a longer period tends to lower the overall cost.

PAYMENT PERIOD

The payment period can be typically 12 or 24 months, or for extended policies, it can extend up to your chosen retirement age. Shorter periods generally result in lower costs.

LEVEL OR INDEXED BENEFIT

‘Level’ entails a fixed amount of payout throughout the insurance term, irrespective of changes in your income or expenditures. Conversely, the indexed option allows for an annual increase in line with inflation, using indices like the retail price index or consumer price index. Some insurers may offer the choice to decline this increase on an annual basis.

GUARANTEED PREMIUMS

If premiums are guaranteed, your payments remain constant throughout the policy term unless you choose to increase the desired income amount. Some policies adhere to this, ensuring consistent monthly payments. Others follow a guaranteed rate table, where the price per £1 is guaranteed to rise each year, calculable through the provided rate table.

AGE COSTED GUARANTEED PREMIUMS

These can also be known as Escalating Premiums as the monthly cost will increase each year as you age. These increases are more significant between the ages of 50-60 due to the risk of your health deteriorating being much larger.

REVIEWABLE PREMIUMS

Non-guaranteed premiums may fluctuate annually based on age or changes in health. While reviewable policies often begin with lower initial costs, they could potentially become more expensive over time.

WAIVER OF PREMIUM

Choosing Waiver of Premium means that once you start receiving income from the insurance policy, premiums are no longer required until you return to work or reach your selected payout period.

BACK TO WORK BENEFIT

This option allows you to receive a percentage of your income if, upon returning to work, the illness or injury you claimed for limits your duties and results in lower earnings. Some insurers may even provide a top-up if you transition to a different occupation with a lower income.