90 families a day had their homes repossessed in 2000. The majority due to financial problems associated with unemployment. A suitable income protection insurance policy would have helped them.

One in three people aged between 25 and 34 have experienced unemployment for a period in excess of one month.

Every adult in Britain is five times more likely to suffer a serious disability than die before the age of 60

New mortgage borrowers obtain no assistance for nine months

• You don't need a mortgage to qualify for cover. We can help pay a mortgage amount, rent, loans, household bills or whatever.

• Immediate cover and free transfer from another insurer.

• Benefits paid back to day one after 30 days

• We can cover self-employed, directors and proprietors of businesses if the business ceases to trade.

• Tax free benefits

• Premiums are not loaded on the basis of age, gender, occupation or smoking habits.

Are you eligible?

• You must be over 18 but under 64 and are permanently resident in the UK, Channel Islands or Isle of Man

• You must be actively working and have been in continuous employment for more than six months before the start date. You are not eligible if you work in temporary or seasonal employment.

• You must be in good health and know of no impending unemployment or disability.

How much cover can you have?

• You may have up to £1,000 per month or 50% of your gross monthly salary (average to include overtime, commission and bonuses over  the last 12 months)income protection insurance main page

When will I be excluded from making a claim

• If you have not been in continuous employment for at least 6 months

• If you knew at inception that you would become unemployed or that you might become unemployed or in the underwriters reasonable opinion you should have been aware.

• If your unemployment occurs within the initial exclusion period or you are told within the initial exclusion period that you will become unemployed

• you accept voluntary unemployment, resign, retire or accept early retirement in lieu

• Unemployment due to misconduct, breach of contract or criminal offence

• When receiving payment in lieu of notice

What now?

Our income policy is available on-line - or you may request further details

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