of London
No requirement to have been in your job for 12 months prior to cover
No dismissal exclusion
Self-employed included
This is the maximum number of months we can consecutively pay you per claim i.e. any one period of accident, sickness or unemployment. You may make multiple subsequent claims throughout the life of the policy.
Choose between Accident and sickness only (AS) or Accident, Sickness and Unemployment combined (ASU)
This is the monthly gross amount (or annual gross monthly average) shown on your payslip. If self employed use the monthly average gross income you declared for the previous tax year.
You can choose to individually defer your Accident & Sickness or Unemployment claim with ‘waiting/excess periods’ of 0 (Back to Day 1) 1, 2, 3, 6 or 12 months producing cheaper premiums the longer you wait.
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Mortgage Protection Insurance
We provide mortgage protection insurance from only £1.88 per £100 pm benefit. As one of the wide ranging alternatives of cover within this lifestyle protection insurance, you can select our mortgage protection insurance to insure your mortgage or home rental commitments.
Mortgage Protection Insurance is one of the options within this lifestyle protection insurance policy and can cover your monthly mortgage payments in the event of accident, sickness or unemployment. Monster Insurance offers up to £3000 per month or up to 90% of your net income so you can include your regular monthly outgoings as well.
You can increase or decrease your monthly benefit should your mortgage amount or your other outgoings change.
Mortgage Protection
The length of time that you are paid for your mortgage protection claim is determined by the benefit period you choose and we offer periods of 12 or 18 months. The indicative quote relates to the premium for mortgage protection as well as insurance for home rents and loans secured against your home. Premiums may vary slightly dependant on the exact cover requirements so please complete the contact form and one of our agents will contact you with full details and a comprehensive quote. Mortgage Payment Protection can offer you a lifeline if you unexpectedly find yourself without your income and will allow you to continue to meet your mortgage repayments.
Lifestyle Protection Insurance
The name given to this cover is Lifestyle protection insurance. Choose from a list of regular commitments you are most likely to have and cover those amounts or a proportion of those amounts dependant on the commitments you choose to cover. You can therefore use this lifestyle protection insurance to protect your lifestyle from the effects of accident, sickness and unemployment. .
Lifestyle Protection
Lifestyle protection is a relatively new product on the market designed to provide lifestyle protection for you and your family. It takes a combination of your major regular commitment into account and not just single outlays so you can select the outgoings you wish to protect from the varied list and protect those regular commitments. For more information please visit lifestyle protection FAQs and see which financial commitments you can cover. Also please visit our main lifestyle protection page.
Income Protection Insurance
Consumers seeking income protection insurance should consider this lifestyle protection as it covers all the major regular commitments that you may have. It can provide for monthly payments such as loans, mortgage, rent, school fees, gas and electricity and removes the need for separate mortgage protection cover with separate income protection cover.
This income protection insurance as lifestyle protection can protect your monthly outgoings including your mortgage and loans.
Income Protection
This protection insurance replaces the proportion of your income (up to 90%) that you tell us you need to cover. This insurance therefore works similarly to income protection and can pay those benefits if you become unable to work due to an accident, sickness or you become unemployed. The insurance can continuously pay you the covered amount until you return to work or until the claims period chosen by you (benefit period) comes to an end. The monthly benefits are tax free so when calculating the amount of income protection you need you should compare the benefits the insurance would provide with your take home pay.
Loan Protection Insurance
Loan payment protection insurance is one of the options included in this lifestyle protection policy. With this loan protection insurance you can cover a single loan payment or combined monthly personal loan payments to help you cope should your income dry up due to accident, sickness or unemployment. The loan protection insurance figure is based on personal loan repayments you make to one or more official loan providers rather than casual loans with for example family or acquaintances and you may be asked to provide evidence of your personal loans in the event of a claim.
Loan Protection
This stand-alone loan protection product provides a viable alternative to loan payment protection insurance supplied by lenders. Your lender is no longer allowed to offer loan protection as a condition of the loan so you are free to buy alternative cover from elsewhere. If you have credit cards and wish to insure your outstanding balance, please note that we do not provide that type of cover.