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Enter Your Details and the Required Cover

Enter Your Details and the Required Cover

Getting a quote could not be easier. Just fill in your details or give us a call and one of our qualified advisors can give you a quote within a few minutes. This service is completely free.

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Our quotations include a full illustration along with a key facts document outlining details of the cover. There is NO OBLIGATION and there is no charge for this service.

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Apply Online with the Provider Of Your Choice

Once you have chosen your provider you can apply directly online. This will involve filling out a quick health questionnaire which is sent directly to underwriting. If accepted on standard rates you may be able to start the policy straight away.

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Accident and Sickness Insurance

Working has become so integral to modern life, and there are so many excellent reasons why you need to be trying to work on a regular basis. For one thing, the responsibility and independence that comes with working is really important. At a more basic level, you need to be sure you are generating income and that you are financially comfortable in your life as much as possible.

Now, this also means you are going to need to plan and prepare for potential problems that could affect and impact your working life. Making sure you do as much as possible to ensure you are working as often as possible is really important. You also need to have measures in place to help protect your financial situation on occasions when you may not be able to work. And this is why insurance plays such a vital role in life, and it’s something you need to make sure you get sorted as soon as you can. These are some of the key insurance options you need to think about when it comes to looking after your health and well-being, and ensuring you keep yourself more financially comfortable.

Accident & Sickness Insurance and Unemployment Cover

Accident and sickness insurance is one of the key elements that you need to keep in mind right now because of the fact that these are two things that could happen to you any time. Sickness and accidents are not uncommon factors in day to day life, but they are things that can take you out of work for a while, and this can have a hugely negative impact on your financial situation. So you need to make sure you look at some of the best accident and sickness insurance options on the market right now. There are 3 types of accident, sickness and unemployment (ASU) insurance you should be looking at.

Short-term accident and sickness insurance

Short-term policies are perfect for those who might find that they are unable to work for a shorter period of time. These short-term policies generally last for around 6 to 12 months, but can occasionally last around 2 years. These policies are attractive because they are usually inexpensive and highly affordable, but they do have less comprehensive cover options than longer term cover options.

Long-term accident and sickness insurance

Long-term accident and sickness cover is one of the best options for those with chronic or serious illnesses or injuries that will keep you out of work for more than a year. There are a few things that you have to consider here, and long-term choices are essential for giving you peace of mind. Most of these policies are going to last until retirement, and though they are more expensive premiums, they will also cover things like bills and expenses while you are off work.

Adding unemployment insurance

Another addition you can make to the accident and sickness insurance is unemployment insurance. This is often known as ASU insurance, and this focuses on covering you when you lose your job through no fault of your own. Adding unemployment insurance in is going to be a great way of being able to protect you in the event that you might lose your job.

What You Need to Know

There are a lot of things that you need to know when it comes to choosing your accident and sickness insurance. A lot of policies you are going to encounter will provide a grace period before payments begin, and this is something you need to keep in mind. Make sure you read the fine print of the insurance policy, so you know when to expect payments to kick in, as well as whether there are any caveats to be aware of. You are also going to need to be aware of the fact that there are going to be things that are not covered by this insurance. Certain health conditions or injuries will not be covered, and this can typically be things like back pain, stress, or pre-existing medical conditions. Make sure you don’t buy a policy to cover one of these things, only to find out that it’s not going to cover them.

You have to make sure you focus on doing as much as possible to find the right accident and sickness cover for you. Looking after your life in the best way you can is something that plays a big part in the process, and you are going to have to think about what it takes to achieve this. Protecting yourself is crucial, and there are a lot of ways of being able to achieve this moving forward. Finding the ideal cover can make a huge difference to your life, and will give you peace of mind when you encounter potential financial difficulty.

Discount Life Insurance…Why Use Us

We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.

Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.

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The standard of service was first class. They kept me up to date with progress on my Relevant Life Policy, followed up promptly following delays caused by my medical practice being slow in compiling reports, and responded instantly and clearly to any questions I had.

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