Short term income cover when other policies may not be the right option
Accident, Sickness and Unemployment insurance — often referred to as ASU — provides a fixed monthly benefit if you’re unable to work due to illness, injury, or redundancy. It’s designed to help cover essential outgoings such as your mortgage, rent, or household bills during short-term disruption.
We help you understand whether ASU is suitable for your circumstances, how it compares to other income protection options, and whether it offers the right balance of cost, simplicity, and cover for your needs.
This can provide a monthly benefit or a lump sum, if you’re unable to work due to an accident. This may include injuries that prevent you from performing your job, spending time in hospital, or helping support your income while you recover and return to work.
Cover can pay out if illness stops you from working, offering short-term financial support during periods of recovery. ASU is often not medically underwritten, making it an option for people with more complex medical histories.
Unemployment cover can help provide a monthly payout if you’re made redundant through no fault of your own, subject to policy terms. This can help ease financial pressure while you look for new employment.
Understanding how ASU provides short-term financial support when accident, illness, or redundancy affects your ability to work
Accident, Sickness and Unemployment (ASU) insurance is designed to provide short-term financial support and may not be the right solution for everyone. Depending on your circumstances, employment status, and needs, other types of protection may be more suitable. We’ll help you understand the options available and recommend appropriate cover where needed.
ASU policies and benefits vary between insurers and are subject to policy terms, conditions, exclusions, and underwriting. Policy features can change over time, so advice is always based on your circumstances and the options available at the time cover is arranged.
Accurate disclosure is important. Details such as employment type, previous claims, and medical history can affect eligibility and claims. We’ll guide you through this to help ensure cover is set up correctly.
ASU policies typically pay a fixed monthly amount, often linked to key outgoings such as your mortgage or rent. The benefit amount is selected at outset and remains fixed, helping you plan around known monthly commitments.
Payments are usually limited to a short-term benefit period, commonly up to 12 or 24 months per claim. ASU is designed to bridge the gap during temporary disruption, rather than provide long-term income replacement.
Payments are usually limited to a short-term benefit period, commonly up to 12 or 24 months per claim. ASU is designed to bridge the gap during temporary disruption, rather than provide long-term income replacement.
Unlike traditional income protection, ASU policies are generally not fully medically underwritten at application stage. Some disclosures are still required, but this can make ASU a suitable option for individuals with pre-existing or complex medical histories.
Once accepted, ASU cover can often start quickly, providing reassurance without lengthy underwriting delays.
“When things take an unexpected turn, having the right cover in place can make all the difference.”
ASU offers a simple way to protect essential bills when life takes an unexpected turn — without complex underwriting or long-term commitment.
We’ll help you understand whether ASU is appropriate for your situation — and where other protection options may offer better long-term value.
ASU can be a cost-effective way to protect essential outgoings. We help balance affordability with meaningful cover.
ASU can often be arranged quickly with minimal underwriting, helping you get cover in place without unnecessary delays.
Still have questions and not sure where to turn? Feel free to contact ME for some straight forward advice based around you
Choosing the right protection can feel overwhelming at first. These FAQs cover some of the most common questions we’re asked, helping you understand how protection insurance works and what to consider before getting started.
No. ASU provides a fixed, short-term monthly payout, while income protection usually replaces a percentage of your income and can pay out long term. Some people use ASU as a simpler alternative or alongside other protection.
Most policies pay for a limited period per claim — commonly up to 12 or 24 months — depending on the policy terms. Some may pay a lump-sum per claim event
ASU typically involves limited medical underwriting. Some disclosures are required, but it may be more accessible for people with pre-existing conditions.
Yes, unemployment cover can pay out if you’re made redundant involuntarily, subject to policy terms and eligibility criteria.
One phone call can change the future of a business. A director doesn’t come in
When it comes to protecting your home, it’s easy to be drawn in by the
When thinking about protecting your income, two of the most common options are Income Protection
When you move home — whether you’re upsizing, downsizing, or simply relocating — your mortgage
For many working adults aged 25–50 — especially first‑time buyers, home movers, busy professionals and
Why Do You Need a Mortgage Broker to Find a Mortgage? Finding the right mortgage
Most mortgage problems don’t appear at the application stage — they develop quietly in the
A Guide to Joint Borrower Sole Proprietor (JBSP) Mortgages Buying a home can feel out
First Time Buyers AIP Explained As a first time buyer you may have come across
How to reduce your household outgoings At ME we speak to a lot of clients
