Accident and Sickness Insurance | Compare UK Top UK Insurers
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We work with all major UK insurance providers to ensure you get the best coverage options at the most competitive rates. Whether you’re looking for comprehensive protection or tailored coverage to suit your needs, we’re here to find the perfect solution for you. Get started now and let us help secure your financial future!
Impartial Financial Guidance and Complimentary Quotes
As a UK-based company, we offer impartial financial advice, ensuring you have access to expert insights throughout the insurance process. Our genuine specialists provide complimentary quotes, guiding you every step of the way to help you secure the most suitable insurance coverage for your needs and safeguard your family’s financial future.
Protecting Your Livelihood
It’s essential to protect both yourself and your family from financial uncertainty. Whether you’re a part-time worker, full-time employee, or self-employed, we offer a wide range of insurance options tailored to secure your income, home, and loved ones.
Accident and Sickness Income Protection
Accidents and illnesses can strike unexpectedly, leaving your financial stability at risk. That’s why Income Protection for Accident and Sickness is a vital resource. This insurance provides essential financial support when you’re unable to work, ensuring your family’s well-being is protected during difficult times.
We specialise in sourcing personalized accident and sickness insurance from providers across the UK market. Our plans offer a tax-free monthly benefit, designed to help with critical expenses such as mortgage or rent payments and household bills, giving you peace of mind.
Tailored Solutions for All Employment Types
We cater to a range of employment statuses, including part-time, full-time, and self-employed individuals, ensuring that your income, home, and family are protected. Choose from short-term payout plans of 1, 2, or 5 years, or opt for long-term coverage until retirement. Whatever your needs, we’re here to help you secure your family’s future and protect your income in the event of illness or injury.
Accident and Sickness Cover Options
When selecting income protection, the options you choose will influence the overall cost of your policy. Each insurer weighs these options differently, so it’s essential to define your needs and preferences to find the most suitable Accident and Sickness cover for you.
Deferred Period
The deferred period is the length of time—measured in weeks or months—during which you rely on your savings or company sick pay before the insurer begins paying out. Opting for a longer deferred period typically reduces the overall cost of the policy.
Payment Period
The payment period refers to how long your policy will pay out. It can be set for 12 or 24 months, or for extended policies, it can continue until your chosen retirement age. Shorter payment periods generally result in lower premiums.
Level vs. Indexed Benefit
With a level benefit, your payout remains fixed for the entire policy term, regardless of changes in income or expenses. An indexed benefit, on the other hand, increases annually in line with inflation, based on measures like the retail price index or consumer price index. Some insurers may allow you to decline this increase each year.
Guaranteed Premiums
If you opt for guaranteed premiums, your monthly payments will remain constant throughout the term, unless you choose to increase the income amount. Some policies offer consistent payments, while others follow a guaranteed rate table, where the cost per £1 rises annually at a predictable rate.
Age-Costed Guaranteed Premiums
Also known as escalating premiums, these increase each year as you age. The rise in cost becomes more significant between the ages of 50 and 60, as the likelihood of health deterioration increases.
Reviewable Premiums
With non-guaranteed, or reviewable premiums, your policy cost may fluctuate each year based on age or health changes. While reviewable premiums often start lower, they can become more expensive over time.
Waiver of Premium
Choosing the Waiver of Premium option means that once you begin receiving income from the insurance policy, you will no longer need to pay premiums until you return to work or the payout period ends.
Back to Work Benefit
This option provides a percentage of your income if, after returning to work, your illness or injury restricts your duties and leads to reduced earnings. In some cases, insurers may even offer a top-up if you transition to a new occupation with a lower salary.
