Accident Sickness and Unemployment (ASU) Cover


Accident, Sickness & Unemployment insurance (ASU), can also be referred to as mortgage payment protection and will provide you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.

You may choose the amount of benefit you would like to receive, although there are some limits on the maximum amount. The premium will be a percentage of the amount of monthly benefit you would like to receive. Benefits are usually payable for a maximum of 12 or 24 months depending on the provider.

Some policies will also allow you to choose whether you want to receive benefits for accident & sickness only, unemployment only or all three . Most policies will also have a 'deferment period' This is the time you have to wait to start receiving benefits from the ASU policy after you have become ill, had an accident or become unemployed. Again, this can vary from having no exclusion period to 30, 60 or 90 days.

Finding the best income protection insurance is an important task, especially if you are a homeowner or have a family to support. Expert Financial can save you time, effort and money by taking care of your search of income insurance providers.

Income protection insurance falls under many descriptions but the basic product is the same. Whether you are searching for payment insurance, income assurance, repayment insurance, payment protection insurance or even repayment protection, you are looking for a policy which helps replace lost salary with monthly payments in the event of an accident, sickness and/or unemployment.

Though not a legal requirement, income protection insurance is highly recommended to protect you and your family against loss of lifestyle and assets during unpredicted times where you may become incapacitated and unable to continue working. Payment insurance will vary in cover and cost and so will the need for cover depending on circumstances. So whether it's cheap income protection insurance that covers the basics or the best income protection insurance that covers a much more comprehensive range of scenarios, Expert Financial can search for the cheapest rates for you.

Mortgage Search

At Expert Financial we believe that searching for a mortgage on the internet is a great start, but an online computerised search engine is not going to give you all the information you need to make such a big decision.

Contact us to find out how we can help you find the best mortgage for you.

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How much can I borrow?

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The most common mortgage question we're asked is "How much can I borrow?".

If you wish to find out this information online the only way to do it is to work through the website of every lender and complete their mortgage "affordability" forms.

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If you contact us and confirm some basic details, one our qualified mortgage advisers will do all the mortgage calculations for you and give you a detailed indication of how much you can borrow and, more importantly, how much it might cost you to pay it back!

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