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Disability Insurance Protection

About disability insurance | Who needs it? | State help | Policy benefits

Policy benefits

Clearly, the consequences of a period of unemployment or disability could be disastrous on your finances, particularly if you don't have large levels of savings to rely on.

This insurance has been designed to overcome the consequences of unemployment or incapacity and to provide the following unique benefits:

  • You do not need to have a mortgage to be insured under this insurance. However, being totally flexible it can cover a monthly mortgage payment, or rent, loans, household bills or any other purpose you require.
  • Highly competitive premiums payable monthly by direct debit.
  • Benefits are tax-free.
  • Back-to-day-one benefits are payable for 12 months.
  • Unemployment only cover, or incapacity only cover, or both combined.
  • The self-employed, directors and proprietors of businesses are covered if their business ceases to trade and is formally wound-up by an independent third party.
  • No premium loading on the basis of age or gender.


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