At the IPTF, we believe safeguarding income is not a luxury – it’s a necessity. Traditionally, our focus has been on conventional income protection however, we’re committed to ensuring that every person has the opportunity to secure the income protection they deserve. Here, we provide educational content on ASU (Accident, Sickness, Unemployment) and accident-only propositions so you can better support these clients.
ASU Explained: IP - One Size Doesn't Fit All - IPAW 2025
Discover the role of ASU as a flexible short-term income replacement option when traditional long-term IP isn’t the right fit. This session breaks down what ASU covers, the key considerations for advisers, and how it fits into today’s evolving protection landscape. If you work in advice, protection strategy, underwriting or claims, this is a clear and practical guide to when ASU is the right solution and when it isn’t.
ASU Matrix
The ASU Matrix is a practical, side-by-side guide to Accident, Sickness & Unemployment products. It gives advisers a clear, at-a-glance view of provider options and helps quickly identify suitable solutions for clients who may not fit traditional Income Protection. Designed to be simple, accessible, and adviser-focused, the matrix supports better conversations with clients and provides a valuable alternative to traditional IP.
Exploring non-traditional forms of income protection webinar
Traditional income protection doesn’t always meet the needs of today’s diverse customer base, but for those customers, there is still a need for protection. That’s why we hosted a webinar that explores non-traditional forms of income protection – with a focus on underserved markets.
This webinar, co-hosted by the IPTF, MetLife and National Friendly, brings together leading voices in protection to help advisers confidently recommend tailored, comprehensive solutions to a broader range of clients.
ASU Articles
Read our collection of ASU focused articles to explore the role of ASU insurance in financial protection, assess its suitability for different clients, and gain practical guidance on when and how to recommend it.
ASU Resources
National Friendly’s new ‘Bruised Britain’ research highlights the impact of everyday accidents on people’s health and finances to reinforce the importance of Income Protection in providing financial security when unexpected injuries prevent individuals from working.
Their consumer research study has been split into four parts:
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Part One – Everyday accidents are more common than many people realise
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Part Two – Younger Brits face higher risk of everyday accidents from sports, scooters and mobile phones
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Part Three – Brits fear costly consequences of accidents as financial and NHS concerns mount
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Part Four – For those who work, the financial and emotional strain can be just as tough
