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Accident, Sickness & Unemployment Insurance

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What is accident, sickness & unemployment insurance?

Commonly known as ASU, accident, sickness and unemployment insurance is ideal for those who are concerned about how they would cope financially if they were to lose their job, either through long-term ill health or redundancy. These kinds of policies can be taken out in line with any existing debt problems in mind so repayments can still be made.

One important factor to consider is that the majority of ASU policies come with a time limit attached, meaning payments will only be made for a set period. This time limit can range from a few months to years, and the longer your policy covers the more expensive it is likely to be.

There are also certain restrictions to contend with e.g. you may be denied a policy if you are found to be at risk of unemployment.

Why take out accident, sickness and unemployment insurance

According to the charity Shelter, about one in three people wouldn’t be able to pay their rent or mortgage for more than a month if they were to lose their job. That’s not to mention additional payments such as credit, car repayments, cards and loans. An Accident Sickness and Unemployment policy can protect these payments.

How much cover do you need?

The exact amount will vary depending on your circumstances such as how much your monthly payments are and whether you have a spouse or partner. However, a sum that represents your monthly mortgage or total bills is a good place to start.

If you have questions...

If you aren’t sure whether an Accident Sickness and Unemployment Insurance policy is for you, or have any questions about what kind of policy to choose, you should seek advice from a professional. Get in touch with our team today to find out more.

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