There are a number of different types of policy you can take out to protect your income, or to cover mortgage repayments, rent, loans, bills and other monthly outgoings if you are unable to work due to ill health, injury or unemployment.

We take a look at the major features of an Accident Sickness and Unemployment (ASU) policy, and why you might need to consider investing in this type of insurance. You'll also find the answers to all your frequently asked questions about claim conditions policy and benefits.