Both types of policy will cover you in the event of accidental injury or illness. ASU, however, will also cover redundancy and is intended to cover temporary situations. Despite this, it is typically a less costly solution, usually with a defined, shorter deferred period. Income Protection Policies can be arranged to continue to pay until recovery, retirement or death.

For more information on Income Protection Insurance, please visit our dedicated page.

Your Accident, Sickness and Unemployment Insurance Advisers at Hawke FS will help you understand which policy is best for you. This is, of course, after having ensured that ASU is what you need, rather than Income Protection. You may require accident and sickness only, for example, if you are self-employed, or unemployment only if your employer provides excellent sickness benefits. Perhaps you even need Accident, Sickness and Unemployment all combined. They will also advise you on the level of cover that best suits you, as well as the time period you need. As with all our services, you will leave with the most appropriate cover for your situation and total peace of mind.