|Accident Insurance - Sickness Insurance|
Personal Accident Cover....Often overlooked, the financial impact of being unable to work due to an accident can be far reaching at best.
How long will your employer support you? are you self-employed and have no-one to fall back on? Could you survive on state benefits alone ?
If you find yourself asking these questions and more, you probably need some assurance in this area. Within this page, you can "buy-on-line" with anyone of a number of special offers, alternatively, contact us for a quotation.
Personal accident...We all have minor accidents from day to day, but have you ever thought how you would cope if effected by a serious accident...
You may require home help or home improvements to get by, unable to work thereby maintain a standard of living!
Corporate accident...Group accident can be easily implemented into any company's benefit scheme.
Benefit can be used to provide an ongoing income as well as cover the cost of replacement staff; showing your staff that they are valued whilst protecting the company's interests.
Understanding Personal Accident InsuranceThere are as you would imagine, a number of different types of Personal Accident plans available. These vary dependant on your personal needs, occupation age and circumstances. Benefits can be paid either as an income or as a lump sum. Lump sum benefits are paid upon death of the member or loss of sight to one or both eyes, loss of limbs and digits etc and often prove to be the most cost effective option due to their limitations of use. It is more common to purchase personal accident cover which provides you with an income if unable to work due to accident. These policies can routinely cover you for illnesses as well as unemployment if required.
The British Insurance Brokers Association (BIBA) have list of plan details you should consider when looking at Accident, Sickness and Unemployment Cover, click here for details .
Call us on 0845 408 5444 to discus the options available.
Additionally, there are a number of 'specialist' schemes available today to meet the needs of certain 'groups' within society, an example of these are Motorcycle Riders and Amateur Sports people.
If you are looking for a longer-term option, you may wish to consider Permanent Health Insurance, otherwise known as Income Protection. Ask your adviser for details...
Mortgage Protection Plans:
Accident, Sickness and Unemployment schemes are often used to provide a replacement income for a period, thereby meeting their requirements to the lender. Plans often pay for a year or possibly two, and can be well utilised next to critical illness policy, covering short-term incapacity and serious illness in one.
Accident, Sickness and Unemployment Cover - Free Enquiry Form