Orchard Independent - Financial Advisers in Edinburgh
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In Edinburgh and looking for Income Protection or Accident, Sickness and Redundancy Insurance?

Income protection pays out if you are not able to work because of an accident or sickness. As well as life insurance and critical illness cover, income protection is an essentail tool in your insurance portfolio for most working adults.

  • Long-term income protection: This type of Income Protection policy pays out until a fixed age, death or your return to work. It's underwritten at the point of applying for the policy, rather than when you put in a claim. This means you’ll know precisely what you're covered for from day one, as well as any pre-existing conditions you're not insured for.

  • Short-term income protection: Like long-term income protection, this type of policy is fully underwritten when you take out the cover. However, rather than pay out until death or retirement, short-term income protection, known as STIP, has a fixed maximum payout period of between 1 and 5 years.

  • Accident, sickness and unemployment (ASU) cover: Providers of ASU cover may screen potential customers, but do not conduct full medical underwriting at outset. Cover tends to be less expensive than Income Protection, but you have less certainty that you'll be covered when you come to put in a claim. ASU policies cover you for unemployment, should you be made redundant.

There are many different variations on these types of assurance, please do not hesitate to contact us should you have any questions or advice. We have been advising on Life Insurance in Edinburgh for many years.

Call us today on 0131 620 6202 or click here and we will call you.


Orchard Independent Ltd is an appointed representative of TenetConnect Services Ltd which is authorised and regulated by the Financial Conduct Authority. Tenet Connect Services Ltd is entered on the FCA register (http://www.fca.gov.uk/register/home.do) under 150643.

Orchard Independent Ltd., 12 Dalziel Place, Edinburgh, EH7 5TR. Telephone - 0131 620 6202.
Registered in Scotland - Company No. SC355263

The guidance and/or advice contained within this website is/are subject to the UK regulatory regime and is/are therefore primarily targeted at consumers based in the UK.

Director - Jon Carter