What are the 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.

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.