Accident, Sickness & Unemployment - HCR IFA

Accident, Sickness & Unemployment

Accident, Sickness & Unemployment (ASU) policies are typically used to protect mortgage payments.  They provide a regular income to be paid to you for a period of one or two years should you be unable to work due to illness, injury or redundancy.

An ASU policy can be split into components, whereby unemployment cover is usually an optional extra available at an additional premium.  It is important to compare ASU and Income Protection closely, as one may be more suitable than the other for you.

ASU policies pay a monthly benefit for a maximum period of either 12 or 24 months.  If you are still not working after this period ends, the Insurance Benefits will stop.  There is usually a deferred period of between 4 and 52 weeks before the benefit is paid.  However, some policies offer ”back to day one” cover, which effectively protects a portion of your income from the day your incapacity begins.

HCR have a dedicated team of Independent Financial Advisers (IFA) who can ensure you are receiving the right financial advice and the highest standard of service.


For a free consultation to discuss your Accident, Sickness & Unemployment requirements together with any other financial needs

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"We would like to thank your company for safely handling our finances over the years and thereby giving us a creditable return on our initial outlay. Thanks to you all we will now have a far more comfortable retirement. We would have no hesitation in recommending your services to others."

Keith & Vanda

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