Why Choose AntInsurance?

Ant Insurance is a recognised award winner of payment protection in our 9th year selling online insurance. We pioneered low cost standalone payment protection at a time when borrowers had virtually no alternative other than to purchase expensive policies attached to their mortgages and loans.

1: Lower prices: We are the cheapest Income Protection Insurance (ASU) providers and our rate can be 5-8 times cheaper than a lender's own rate. We achieve this by taking lower commissions (compared to some high street banks our commission can be up to 80% less) and we operating exclusively on the internet which minimises our costs.

2: Our underwriters: Assurant Solutions For more information regarding our underwriters please click here. have been operating in the UK since 1972. The underwriting companies, Assurant General Insurance Limited (registered in England no.2341082) and Assurant Life Limited (registered in England no.3264844), are authorised and regulated by the Financial Services Authority. Assurant, Inc is listed on the New York Stock Exchange under the symbol AIZ.

3: Higher thresholds: You can cover up to 75% of your net monthly income up to a maximum of £2000 per month. Most competitors offer considerably smaller amounts e.g. only up to £1000 per month.

4: More & exclusive options: We are the only provider offering 3 or 6 months pay out periods as well as the standard 12 months. As 63% of workers return to work within 3-6 months, consumers only pay for the cover they're likely to need. We also offer the widest cover options i.e. Combined ASU, Accident & sickness only or Unemployment only, an option that is rarely offered elsewhere.

5: Age banded premiums: This means our youngest customers pay least. The premium will not increase according to age for the life of the policy and the policy can remain in force until retirement age or until you cancel it.

6: Back to Day 1 cover: This means that you can make an income protection insurance claim after just 30 or more consecutive days of not working through accident, sickness or unemployment. The income protection insurance claim will then be backdated to the first day of the 30.

7: More flexible than mortgage or loan only protection: Pay-outs can be used for any purpose so can help consumers pay their mortgage or loan payments as well their credit cards, utility bills, food & transport, in fact anything. There is no need to even have a mortgage or loan, so is ideal for tenants who are equally concerned about losing their homes.

8: Extra exclusive features:
1) Return to work benefits provide special help for those who return to work part time on a lower salary following an incapacity claim.
2) Temporary return to work scheme provides for those who wish to suspend their benefit payments to take temporary work.

9: Exclusions light: No medicals are required to take the policy and we do not exclude dangerous occupations or dangerous pursuits. Individual habits e.g. smoking, do not affect premiums or eligibility and we do not exclude back ache.