Accident, Sickness and Unemployment (ASU) Insurance
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UK consumers are overestimating their ability to survive with no income. On average, consumers think they could survive 60 days if they were to suddenly lose their income. When calculated based on their actual savings and spending patterns, however, the average UK consumer is just 19 days from the breadline. (Legal & General, 2022)
Statistical insights reveal a significant landslide in the level of cover people have. The unemployment levels in the UK increased by around 210,000 individuals last year, while workplace accidents cost the British economy £7.1 billion each year (UK Parliament, 2025, HSE Executive, 2022 / 2023)
Protecting yourself from this happening to you is important.
Whilst there are lots of moving parts to look at when reviewing your protection, it is key that you keep your Protection Advisor in the loop. At Abodo, there isn’t much we haven’t seen when it comes to our clients’ finances, habits, likes, hobbies, like to spend money, likes to save money – no two people are the same. We just ask that you’re honest with us, so we can see the full overview and advise you on what you present to us. As if you don’t, there can be repercussions as your claim could then be void.
Waiting Periods
Most policies incorporate:
Initial waiting periods (30-180 days)
Different waiting times for accident, sickness, and unemployment
Reduced benefits during initial claim periods
Statistics become powerful when you understand their real-world impact. Your professional journey isn't just about earning – it's about maintaining stability during life's unexpected events.
Positive parts of an ASU policy are:
Customisable coverage levels
Option to adjust benefit periods
Potential premium reduction strategies
Portable between employment situations
Additional Benefits
Mental health support services
Rehabilitation support
Career guidance programmes
Partial return-to-work provisions
Potential Claim Limitations
Challenging claim situations might involve:
Chronic condition management
Medical exclusion scenarios
Ongoing treatment requirements
Incomplete medical documentation
Disputed disability assessments
Financial Implications
Factors for the costs of Premium, influencing elements include:
Age
Occupation risk level
Health history
Desired benefit amount
Coverage comprehensiveness
Tax Considerations
Typically tax-free monthly benefits
No additional tax liability on payments
Potential interaction with state benefits
Abodo Mortgage and Protection Advisor recommends:
Thorough policy overview with us
Comprehensive medical disclosure – be honest, as it may make your claim void later on in life.
Regular policy review – keep everyone updated
Have your policy written into Trust – we can do this; it just means you’ll get your money sooner.
ASU insurance isn't just a policy – it's a financial management tool. By understanding policy details, you transform potential vulnerability into a strength.
