How long should you insure for?

Short Term Income Protection Policies are renewed annually. So you really only need to plan one year ahead.

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What is Short Term Income Protection Insurance?(Also known as Accident Sickness and Unemployment Insurance)
Short Term Income Protection Insurance pay a tax free monthly income for up to 12 months if you were off work due to sickness, accident, or unemployment.
Why should you have Short Term Income Protection Insurance?
The chances of you being off work for more than 30 days are quite high. Short Term Income Protection Insurance will help provide the income you need.
How Much Will It Cost?
You can have Short Term Income Protection Insurance for either unemployment alone, or sickness and accident alone, or all three. The costs of the policies is much lower than you'd expect.
Will Short Term Income Protection Insurance pay out immediately you make a claim?
You have to be off work for 30 days before you can make a claim but the income is then backdated to the very first day you were off work.
Should you insure for accident and sickness or accident, sickness and unemployment?
The Short Term Income Protection Insurance Burgesses offer gives you the option of insuring yourself for:
With annual policies you simply renew the policy each year. Your insurer will write to you before your renewal date to obtain your confirmation that you wish to continue the policy.

Incidentally, income received from insurance policies is not taxable

Frequently Asked Questions related to the above topic.
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