Accident Sickness Unemployment
Accident Sickness Unemployment
Are you sitting comfortably? Good, now imagine that through no fault of your own you lose your income because you become unemployed, or you are unable to work because of an accident or sickness. .You have loans such as your mortgage, car loan and credit cards that must still be paid, as will other family household outgoings such as council tax and utility bills (power, water, telephone etc). So what can you do?
You need to think about ASU (Accident Sickness Unemployment) insurance.
There are many people in the UK who make the mistake of thinking that should they fall ill or have an accident and lose the ability to work, the State will step in and sort out loan repayments and give them enough money to live on. Well, think again. The rules governing sickness benefit claims have changed dramatically in the past few years.
Before April 1995, it was possible to qualify for long-term sickness benefit if you were rendered incapable, by sickness, accident or disability, of doing your own job of work. Now the rules state that you will only qualify for long-term sickness benefit if you cannot do any job of work.
In other words, only if you are completely incapacitated will the State help support you. This means that, to all intents and purposes, there are currently no long-term sickness benefits in the UK.
Even if you do succeed in getting long-term sickness benefit from the State, and it is currently worth just over £60 per week, that benefit is now taxed.
This all means that private accident sickness and unemployment insurance is the only guaranteed way of being able to put that important safety net under both you and your loved ones.
Did you know that according to Norwich Union, of all the people currently unemployed, nearly 2 million people will be off work for more than six months due to a long-term illness or injury. Also statistics show that you are almost 20 times more likely to suffer a breakdown in health lasting more than six months than you are to die before you are 65. This means that you may well need accident sickness & redundancy insurance (ASU) more than you will need life insurance.
Why should I use you for Accident Sickness & Unemployment Insurance?
Our partner can provide cover against accident sickness and unemployment for home buyers and borrowers resident in the UK. We are able to do this as they are a professional insurance brokerage who are authorised and specialise in protection insurances of all types (including life insurance, critical illness cover as well as ASU)
After having spent time looking at the best solutions for Accident sickness redundancy insurance policies in the UK we have chosen to refer you to a web site owned and operated by Top Quote UK, specialists in the accident sickness & unemployment insurance market. They have been recommended several times in a large number of local and national newspapers and magazines including The Times, The Telegraph, The Guardian, The Mail on Sunday and The Financial Times.
Top Quote UK are directly authorised and regulated by the Financial Services Authority under registration number 302674.
Please be aware that responsibility under Financial Services Authority regulations will therefore be assumed directly by Top Quote UK if you purchase accident, sickness and unemployment insurance from them.
You should note that this type of cover is not designed as any form of savings scheme, the premiums that you pay are used to provide the cover against accident sickness unemployment and if you do not make a claim there is no return of any money paid in premiums.
CLICK HERE FOR MORE INFORMATION ABOUT ASU, OR TO GET A QUOTE.