Accident, Sickness and Unemployment Insurance is an income protection policy that is designed to give you peace of mind that should you be unable to continue providing for yourself or others due to redundancy or disability, you won't be left in complete financial disarray.

Unlike mortgage payment protection policies, this type of income protection is not designed to specifically pay off your mortgage or other loans, nor will it pay for private medical treatment or special needs that arise through disability. What it will do is provide you with a regular income if you become unable to work as a result of accident, sickness or disability.

Unlike payment protection policies, the amount of benefit that is paid out it is not linked to your mortgage or other loan payments, but your overall level of income.