Short Term Income Protection

This Short Term Income Protection product is currently not available for purchase. If you're an existing policyholder, we'd like to assure you that you're not affected by the changes in availability of these products and can continue to claim in line with the terms and conditions of your current policy. If you have any questions about your cover please call MMS on 0113 255 8611.

Underwritten by certain underwriters at Lloyd’s and administered by MMS, Keystone is a Short Term Income Protection insurance policy that protects your ability to pay your monthly bills in the event of Accident, Sickness or Unemployment (ASU).

Cover features and benefits

There are other providers of Short Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

Keystone is priced by reference to your age and the combination of options selected. As an example, a 30 year old taking AS only with a 60 Day Excess, 12 Months Benefit and covering their mortgage, will pay £4.12 per £100 of monthly benefit. The monthly cost includes Insurance Premium Tax (IPT) at the present rate.