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Accident, Sickness and Unemployment (ASU) Insurance provides financial support if you are unable to work due to an accident, illness or involuntary unemployment. ASU Insurance typically provides a monthly benefit and is designed to pay out for a short length of time, such as 12 months. An ASU Insurance policy can help cover your essential outgoings like mortgage payments and household bills until you get back on your feet.
ASU Insurance usually includes a deferred period, which is a waiting period before the insurance starts paying out after a claim is made. Common deferred periods are 30, 60 or 90 days. We can help you choose an appropriate deferred period based on your sick pay entitlement and current savings levels.
The level of cover is the amount of benefit you will receive if you make a successful claim and is often based on a percentage of your income – typically between 50% and 65%. You can choose the level of cover that best suits your needs.
Certain exclusions apply such as pre-existing conditions, self-inflicted injuries or voluntary redundancy.
At Mortgage Options, we offer straight-talking advice that covers both the mortgage and protection market. Our expert advisers understand the importance of having good quality insurance in place, we select policies from a panel of UK insurers, and we will assess your personal circumstances before recommending the right policy to suit your needs.
It makes sense to protect what you have. Talk to one of our advisers about Accident, Sickness and Unemployment Insurance today.
Call us now on 0800 028 4040: it’s free from a mobile or landline.
Mortgage Options is a trading style of Mortgage Options (Partnership Division) Ltd who are an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited are entered on the FCA register (https://register.fca.org.uk/s) under reference 440718.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered office: 4 Finkin Street, Grantham, Lincolnshire NG31 6QZ. Registered in England and Wales, Company Number 7352047.
Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited July 2025
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Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
