Income Protection Insurance


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How is Income Protection Cover Different from ASU Insurance?

Essentially, they are both the same. Income protection covers manages the risks of ASU i.e. Accident, Sickness and Unemployment. However, the terms such as income protection and payment protection have become more popular as they are referring to the benefits. Payment protection is usually to cover for loan and mortgage re-payments and income protection is used for pure protection of income i.e. no dependence on any outgoings.

ASU Insurance is also a term used by the mortgage brokers, insurance brokers and IFAs as it tends to be an industry terminology.

So ASU can either be an income protection cover or payment protection depending on what is being protected – income or payments.

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