Just imagine if you were off work for a lengthy period due to sickness or an accident; the household bills would keep rolling in each month but how could you afford to go on paying them? Sickness or an accident can happen to anyone at anytime, so it really does make sound sense to take out cover that would help with paying your regular home expenses and give you some peace of mind.

The Shepherds Home expenses Plan lets you protect up to 125% of your normal essential household bills from as little as 68p* per £100 of cover. These bills can include your mortgage, rent, loans, credit cards, fuel and water bills, household insurance, etc. It's surprising how these regular sums mount up each month, so cover to ensure they go on being paid each month can save a lot of headaches.

The benefits you receive are paid TAX-FREE and the plan is flexible enough for you to tailor it to suit your needs. Anyone aged between 18 and 54 can take out cover for a minimum of 5 years right up to the age of 65. Benefits start from a minimum of £200 a month up to a maximum of £2000 a month.

You can choose to cover just your main regular household expenses or choose a level of benefit at 125% of that total to allow for any likely future increases. You can also choose a waiting period to suit you before the benefits start to be paid; this can be from just 4 weeks right up to 52 weeks and the longer the waiting period you choose the lower the premium you will pay.

None of us know whether sickness or an accident will keep us away from work for a lengthy period; but it can happen to anyone and cover such as that provided by the Shepherds Home Expenses Plan at least provides some peace of mind.

*This premium relates to someone aged between 18 and 30, with a waiting period of 52 weeks. Premiums will increase on every 5th anniversary after they reach the age of 30.