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This type of cover can pay out a (tax-free) lump sum on the diagnosis of certain life-threatening or debilitating illnesses, or if you have to undergo certain types of surgery.
Payment Protection Insurance and Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident, illness/injury or, often as an optional extra, unemployment.
The unemployment policy isn’t available for purchase at the moment due to Covid restrictions however this is temporary and once reintroduced the website will be updated accordingly. For more details please speak to an adviser.