Life insurance providers
For a quick comparison guide use the table below. This gives you a brief view of the type of Accident, Sickness & Unemployment Insurance (ASU) that each provider offers. Along with a quick check to allow you to see if the company provides the insurance directly or if they will perform a comparison across a number of ASU insurers.
In addition to this we have added a column to show you at a glance if the company provides cover for periods greater 12 months i.e. 24 month protection or until retirement age. This way you can see what the key features of each company comprise & this should allow for the minimum of fuss when deciding on your new policy.
To be redirected to the insurance company of your choice click on the banner in the first column or if you would like a more detailed breakdown of what they offer use the "details" button or scroll down to the relevant section to find out more.
| Mortgage Payment Protection | Loan Payment Protection | Income Payment Protection | Comparisons Available? | Cover Over 12 Months | |
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ASDA insurance is provided by Life Search ™ winners of best protection advisor 4 years out of the last 5! | ||||
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Insurance provided by Legal & General ™. This cover is available for new or existing mortgages. | ||||
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Comparison site searching top MPPI providers such as British insurance™, CPP Direct™ and Protection Online™ | ||||
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ASDA
- Income Protection Insurance from ASDA could replace your monthly wage if you lose your job, or you're unable to work due to illness or disability. This insurance is really useful because the benefits paid by the government will not be enough to help you carry on living to the same standard as you do now.
- Income Protection Insurance from ASDA you could get a monthly tax-free income until you get back on your feet again. And if things don't get any better, you'll be covered right up until your retirement date.
- The maximum amount of cover you can get is usually around half of your wages before tax, but because your cover is paid tax-free, you should be able to maintain your standard of living.
- Income Protection Insurance is not a widely known product yet it should be top of most people's protection buying list. It replaces your income in the event that you cannot work due to illness or disability, potentially until you retire, which will take care not only of debts like a mortgage, but also enable you to maintain your standard of living. Unemployment & critical illness cover can also be added.
HOMEINSURANCE-ON-LINE.CO.UK
Premiums start from as little as £2.77 per month excluding insurance premium tax, per £100 of monthly benefit required to cover the mortgage and any associated insurance costs for a deferred period of 180 days for accident sickness and 60 days for unemployment. Premiums are subject to a minimum monthly premium of £10. First three months cover free.
- No occupations are excluded.
- Cover is available for contract, self-employed, full-time and part-time workers. This cover is available for new or existing mortgages.
- Monthly benefit selected can cover mortgage and other related insurance costs such as buildings and contents, MPPI and mortgage life premiums, plus an additional 25% of the monthly repayment to allow for changes in mortgage interest rates.
- Free access to LifeTrack Direct – a job-search service providing support and information, including CV production, a job database and skills manual.
INSUREME-ON-LINE
Premiums start from as little as £2.77 per month excluding insurance premium tax, per £100 of monthly benefit required to cover the mortgage and any associated insurance costs for a deferred period of 180 days for accident sickness and 60 days for unemployment. Premiums are subject to a minimum monthly premium of £10. First three months cover free.
- No occupations are excluded.
- Cover is available for contract, self-employed, full-time and part-time workers. This cover is available for new or existing mortgages.
- No upper limit on the sum insured, subject to monthly benefit not exceeding 65% of gross monthly income.
- Benefit paid for up to 12 months or until you return to work, whichever happens first.
INSURANCEWIDE.COM
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