The Practical Protection Podcast
The Practical Protection Podcast explains how life insurance, critical illness cover and income protection work when applicants have circumstances that make insurers hesitant. Host Kathryn Knowles, a specialist adviser, talks with guests about the realities of underwriting and risk assessment. The show aims to give consumers and advisers a clearer, more open understanding of why insurance applications can face problems and how they might be handled. It draws on Kathryn's experience of insuring people with complex or unusual health and lifestyle situations.
Episodes
Income Protection Claim - Parkinsons
Hi everybody, I am back from the summer holidays and feeling quite sad to have finished my first ever cruise. I was a bit paranoid as I have always been quick to feel motion sickness, but I was pleasantly surprised that I was ok, albeit with some pretty strong anti-sickness medication!In this episode I am speaking with Andi, who was diagnosed with Parkinsons. She shares how the condition has alter
Dementia
Hi, everybody, Alan is back with me and we are discussing arranging protection insurance for someone living with dementia. The very first thing that you need to do, in my opinion, is to consider the person as vulnerable, with partners and children being classed as potentially vulnerable. The next step is to check with your compliance and any other oversight, to determine what you are and are not a
THE Best Insurer
Hi, everybody, I changed my mind and I’ve not done a medical deep dive and instead focused upon who is the ultimate insurer. Sadly, there isn’t one. Our lives would be so much easier if there was…In this episode I have discussed the things that different insurers offer, that stand out to me. So this is my opinion, based upon my experience of when a client has explained their circumstances and I ha
Think Outside the Box
Hi, everybody, instead of doing a health deep dive, Alan had the great idea of doing an episode on being imaginative with client recommendations. There are lots of ways to build protection recommendations, a lot of the time it’s straightforward, but sometimes getting creative is necessary. I would like to make sure I’m clear that being creative must still be compliance approved!In this episode I a
Underdisclosure
Hi, everybody, it’s the start of Season 12 and I’m focusing on underdisclosure in protection insurance. Also known as misrepresentation or non-disclosure, this is a situation that everyone wants to avoid. Underdisclosure might not change the terms of insurance, but, it can lead to prices or sum assureds changing, and in the worst case a policy being cancelled from inception.The key takeaways:Non-d
Overdisclosure
Hi, everybody, we are on the last episode of Season 11 and I’m focusing on overdisclosure. There is a lot of discussion in our industry about underdisclosure or non-disclosure, but not a lot of focus is put on the times when people tell insurers too much.It is essential that you answer insurance applications truthfully and to the best of your knowledge, but you don’t need to volunteer information
Fatty Liver Disease
Hi, everybody, we have Alan back for the first time in a while and he is chatting to us about fatty liver disease. The options for life insurance, critical illness cover and income protection can vary quite a bit, depending upon the cause of the fatty liver and the stage that it is at. The good news is that the liver has a brilliant capacity to heal itself, so there can often be options for insura
The Value of Lasting Power of Attorneys
Hi, everybody, it's been a while. I’ve been away from the podcast for a bit as my mum died in February. It has not been an easy time and I have tried to carry on as usual, as much as possible, but I think we can call agree that the podcast was an area that could take a pause.I’m starting to get back into the swing of things and it feels right that the first episode of the podcast is focused upon L
FCA Protection Market Study
Hi, everyone! I have ended up out of sequence! Last time I said we would be back with an episode on fatty liver disease, but the FCA has published its Protection Market Interim Report, and I absolutely had to cover this.The good news is that the FCA thinks that the protection industry is working really well, it just needs a couple of tweaks. Overall, I am really happy with what the report says, bu
Vulnerable Clients
Hi, everyone! As I am sure you can imagine I am always looking for ideas about what to cover in the podcast. We’ve done lots on health conditions, I’ve done deep dives into insurance products, commented on market developments, but I was absolutely shocked to realise I have not done a specific episode of vulnerable clients.Most of you probably recognise my name as a specialist protection insurance
Weight Loss Drugs
Hi everyone, we are back and talking about the use of weight loss drugs and getting protection insurance. Millions of people in the UK are now taking drugs like mounjaro and ozempic, to help them reach a healthy weight.Health professionals and insurers have said for many years that having a higher BMI isn’t healthy and can lead to long-term health complications. Weight loss drugs are proving to be
Neurofibromatosis
Hi everyone, we are talking about neurofibromatosis, a rare condition that causes tumours to develop in the body. The tumours are not usually cancerous, but it is still a condition that can lead insurers to take an extra look at the insurance application. There are three types of neurofibromatosis and each of them are reviewed by the insurers on a case by case basis, as the symptoms and affect on
FCA Protection Paper
Hi everyone, I have been taking at look at the recent paper from the FCA, that has been written to give an initial view of how the industry works, the players in it, potential consumers and outcomes from accessing insurance.Overall I think the paper was really well written and gave an accurate portrayal of the industry. It was clearly written and not too long, so I would recommend giving it a read
Cystic Fibrosis
Hi everyone, Alan is joining me again to give us all insights into arranging protection insurance for someone living with cystic fibrosis. Cystic fibrosis is a condition that can be difficult to insure for life insurance. Historically, the life expectancy of a person living with cystic fibrosis has been much lower than average, which means that insurers see it as quite a high risk for a claim. The
Critical Illness Cover in Trust
Hi everyone, I am taking another focus on Trusts this week. This time I am looking specifically at critical illness cover, as there are some potential issues that could be faced for vulnerable clients, including people who are experiencing economic abuse.There is a huge drive in our industry to place policies into Trust. It’s the kind of thing where I might potentially do a compliance fail with my
Coeliac Disease
Hi everyone, Alan is back with me and this time we are focusing on coeliac disease. A lot of people think of gluten when they hear coeliac disease and have a feeling that all it means is don’t eat bread, pasta, etc. But, it can be much more than that when it comes to underwriting.A lot of the time coeliac disease is not a concern to insurers looking at life insurance, critical illness cover and in
Joint Life Second Death vs Single Life Insurance
Hi everyone, we are back after the lovely summer of 2025. One thing I love about the insurance world is how you can never know everything, there is always so much more to understand and consider. I have a few episodes coming up that have been in the background of my mind for a while. I like to make sure that I have seen things from all angles before I bring it to you.For the first episode of Seaso
Bowel Cancer and Me
Hi everyone, we are closing off season 10 with a very personal episode, with Phil Jeynes joining me to talk about his experience of being diagnosed with bowel cancer. Last time Kate Baldry gave us brilliant insights into bowel cancer data and how out of all the claims she had looked at, no-one had anything in their own health or family medical history, that placed them at a higher risk of developi
Early Onset Colo-Rectal Cancer
Hi everyone, I have Kate Baldry joining me today to share her insights into early onset colo-rectal cancer, a diagnosis that is happening more and more. As a Research and Development Underwriter at Hannover Re, Kate has incredible access and insight to claims and health data. Kate has been spending time analysing the increasing rate of bowel cancer diagnoses and any trends that could be causing th
AI and Insurance
Hi everyone, Lisa Balboa is back and she is sharing her insights into how AI is helping insurance across the world. I am quite a reluctant AI enthusiast as I’m always nervous it means less people involved in decisions, but Lisa brilliantly explains how AI is working alongside people to improve access to insurance and better claims experiences. With insights from Australia, China, South Africa
IHT Case Studies
Hi everyone, I have five case studies for you this time. I’m going through life insurance options for gift planning and IHT planning. Arranging life insurance to protect against these taxes is often quite straightforward, but there are a number of technicalities that can mean that the ‘normal’ approach to life insurance doesn’t give your client the best outcome.Things like your client’s residency,
Chronic Fatigue Syndrome
Hi everyone, we have Alan Knowles back with us and we are taking a look at how living with chronic fatigue syndrome can influence your options for life insurance, critical illness cover and income protection. Chronic fatigue syndrome or ME (myalgic encephalomyelitis) is a long term condition that can cause significant tiredness, pain, brain fog, sensitivity to light and many other things. App
Cigarettes and Alcohol
Hi everyone, we have Alan Knowles back with us and we are taking a look at how lifestyles can affect options and pricing of life insurance, critical illness cover and income protection. Being a smoker usually doubles your premiums for protection insurance, as the stats show that you are far more likely to make a claim on the insurances. Not only this, but being a smoker can lead to your applicatio
International Protection
Hi everyone, I have Lee Doran from William Russell with me. As the International Underwriting Manager Lee has an incredible knowledge of how protection insurance works across the UK and the rest of the world. With 20 years experience as an underwriter, he has seen and heard pretty much everything.In this episode we talk about Ukraine, Russia, the US and how getting insurance isn’t the easiest thin
Income Protection Taskforce
Hi everyone, we have Jo Miller back with us to talk about all things Income Protection. The last time Jo joined us was in 2023 to talk about the brilliant Income Protection Taskforce and there have been a lot of changes since then. With a new Board and lots of changes in the IP world, Jo is bringing us some great insights from the IPTF profile of an IP customer report.We are going through what’s w
High BMI
Hi everyone, we are back with an insurance underwriting consideration that I cannot believe we haven’t covered before: high BMI! We’ve talked about BMI in the past, but not done a specific episode, which is so bizarre as it’s something that I think every adviser has come across at some point.High BMI affects life insurance, critical illness cover and income protection applications in different way
Simplified Income Protection
Hi everyone, we are having a theme of income protection related podcast episodes this season. I’m loving it! I personally feel that income protection is probably the most essential protection insurance product for working people. Income protection is available with many insurers and there are lots of quirks and different options. One of which is simplified income protection. This product type
Social Media Influencers and Income Protection
Hi everyone, we have our latest episode with our new regular contributor Alan Knowles giving you his insights from underwriting and advising. We are seeing more and more enquiries from social media influencers wanting to protect their income. It is really interesting with social media influencers as they are tending to reach out for support with their insurances, from the mindset that they ne
Type 1 Diabetes and Income Protection
Hi everyone, we have Sue Kissane (Underwriting Manager) and Caroline Hume (Key Account Manager) from Cirencester Friendly are joining me to discuss income protection and type 1 diabetes. We are talking about underwriting and claims, so that you can get a good idea how type 1 diabetes can be considered by insurers.There are approximately 350k people diagnosed with type 1 diabetes in the UK. It is a
Crohns and Colitis
Hi everyone, we are back with Season 10 and a new regular guest, the one and only Alan Knowles. Many of you will know Alan from different industry initiatives and he is joining us to give insights into underwriting for your clients. We are kicking things off with a look at inflammatory bowel disease, specifically Crohns and Ulcerative Colitis, which are believed to affect well over 1m in the
Group Critical Illness Cover
Hi everyone, I am back with the final episode of season 9 and we have some changes coming up with the podcast. We are saying a very big thank you and farewell to Matt Rann who has brought our underwriting insights for the last 6 seasons. Don’t worry, we will still be continuing with underwriting insights to help you better understand your client’s circumstances and the protection insurance options
Hepatitis
Hi everyone, we have Matt Rann back with us and we are talking about hepatitis and protection insurance. Hepatitis affects the liver and this can lead to some difficulty in arranging protection insurance, especially critical illness cover and income protection.The key takeaways:There are a lot of types of hepatitis: A, B, C, D, E, alcoholic and autoimmuneHepatitis is inflammation of the liver and
Group Income Protection
Hi everyone, I am back with an episode on group income protection to talk through this brilliant product and how it can help companies and employees alike. Group income protection can cover income, national insurance contributions, pensions and provide access to medical professionals really early on if you are ill. In fact there are times where these service work so well that people completely rec
Fibromyalgia
Hi everyone, we have Matt Rann back with us and we are talking about fibromyalgia and how this is considered in protection insurance. We are going through how fibromyalgia affects the body and mind of a person, there are a lot of symptoms and everyone is affected by the condition in a different way. The key takeaways:Approximately 1 in 20 people are affected by fibromyalgiaKey details a
Group Life Insurance
Hi everyone, I am back with an episode on group life insurance to talk through the key things to know when you are advising on this product. Group life insurance is very technical and it’s not possible to cover everything in this episode, but you will get a better understanding of what to watch out for as an adviser.The key takeaways:You can insure everyone or specific groups with group life insur
Thyroid Disorders
Hi everyone, we have Matt Rann back with us and we are talking about thyroid disorders and protection insurance. I had postpartum thyroiditis after having my third child, which was not a fun thing to experience, and I can say quite confidently that you can feel pretty shocking if your thyroid is misbehaving.The key takeaways:1 in 20 people have a thyroid condition and we’re talking through the mor
Gift Planning and Protection Insurance
Hi everyone, I’m back with a short episode on how you can use life insurance to protect against the tax made on gifts. A lot of people think of gift planning as something that millionaires do and whilst that can be the case, many people are making gifts all the time without realising it.Giving a financial gift is a lovely thing to do, but without the right protection in place the person who receiv
Right to Forget Cancer
Hi everyone, I have Cillian Tierney with me on the podcast to talk about the way that insurers in the EU are responding to the Right to be Forgotten. This legislation require insurers to give consumers the right to not disclose that they have had cancer when they apply for some protection insurances. The rules are different across countries and some might choose to say that you don’t need to tell
IHT and Protection Insurance
Hi everyone, I am back with a short episode focused upon how you can protect against IHT with life insurance. Huge disclaimer from the start I am not a full financial adviser and there are lots of ways to do estate planning, I am just giving insight into how life insurance can work.The key takeaways:With a joint life second death policy one of your clients might be declinable, BUT, they can still
Assisted Dying
Hi everyone, I am talking about a very emotive topic today after being approached on social media as to how insurers view assisted dying. With recent debates on passing assisted dying laws in the Scottish and Isle of Man governments, it is something that is likely to be discussed by UK insurers at some stage.I have been very clear not to provide an opinion about whether assisted dying should and s
Executive Income Protection
Hi everyone, I am back with another look at an insurance product that can be incredibly useful, especially for small business owners. Protecting your income is one of the key things that any of us can do, to try and give ourselves financial security for the future. As with any protection insurance it’s something that we hope to never have to claim on, but we will forever be grateful for if we have
Atrial Fibrillation
Hi everyone, I have Matt back with me and we are focusing upon protection insurance options for people living with atrial fibrillation. It can be quite interesting when speaking with clients who have this condition as the medical world and the insurance world can view atrial fibrillation quite differently.The key takeaways:You are 5x more likely to have a stroke if you have atrial fibrillationThe
Relevant Life Insurance
Hi everyone, I am back with another focus on a business protection product, rather than the usual underwriting deep dive. This time I am going through the key points of relevant life insurance.In the podcast I discuss how relevant life insurance is an employer and employee relationship. It’s a thank you for your service to the company. I forgot to mention that one of the key ways to check if someo
Hypertrophic Cardiomyopathy
Hi everyone, I have Matt back with me for the first time of Season 9 and we are focusing on hypertrophic cardiomyopathy. HCM is a heart condition that affects approximately 1 in 500 people in the UK and it can potentially be a higher risk for a life insurance claim.We talk about the different types of cardiomyopathy, how they affect the body and the usual causes of cardiomyopathy. Matt takes us th
Keyperson Insurance
Hi everyone, I am back with Season 9 of the Practical Protection Podcast and we are taking a look at keyperson cover. Hopefully one of the simpler business protection policies that we can arrange, but I have certainly had some interesting conversations with people that don’t understand what this kind of insurance does. I remember quite a specific debate with a tax adviser who was saying their
Anitphospholipid Syndrome
Hi everyone, I have Matt back with me and this time we are focusing on Antiphospholipid syndrome (APS). This is an autoimmune condition that increases the chance of someone developing blood clots. More women than men are diagnosed with APS and at the moment there is no specific reason why APS develops. It is thought that a mix of environmental factors can lead to APS developing, but there are stil
Shareholder Protection
Hi everyone, I am doing another product feature today with a look into shareholder protection. I can’t remove all the jargon but I’m going to do my best to make it as simple as possible!In this episode I am giving an overview of cross-option and company buy-back shareholder protection options. There are other ways of doing shareholder protection arrangements, but these tend to be the main ones so
Rheumatoid Arthritis
Hi everyone, we are talking about arthritis in our latest episode and taking a closer look at rheumatoid arthritis. When it comes to protection insurance rheumatoid arthritis is going to come up in the application questions at some point. Rheumatoid arthritis and the treatment for it can affect a lot of areas in the body and it’s a condition that tends to get worse over time, so insurers usually w
Business Property Relief
Hi everyone, I am taking a bit of a different approach with some of the upcoming podcast episodes and I hope that you find it useful. I am going to take specific protection insurance products and do a summary of how they work and what to look out for as an adviserThe first one is focusing upon insurance for Business Property Relief. In this episode I am explaining what BPR is and why it’s so impor
Heart Valve Disease
Hi everyone, I have Matt Rann back with me for the first time in 2024 and we are talking about heart valve disease and how that mixes with protection insurance. There are a lot of heart conditions that we need to be aware of when applying for protection insurance and many often focus upon the heart muscle and what they are doing. With heart valve disease the focus is specifically upon the valves a
Travel Insurance
Hi everyone, I am joined today by Paul Beven and Rachel Edwards from Verisk. They are a leader in travel insurance underwriting, so we are taking a step into general insurance for this episode. Travel insurance is focused upon emergency assistance that you might require when you are on holiday. This could be do with your health, or are number of different situations that you might face. When
Income Protection Claims
Hi everyone, I have Debbie Smith who is the Chief Medical Officer at Swiss Re with me to talk about the trends that she is spotting when it comes to income protection claims. I first met Debbie at the LUCID conference earlier this year and I found her presentation fascinating. So naturally I asked if she could come and share some of her findings with my listeners!Debbie is sharing with us the tren
Total Permanent Disability
Hi everyone, we are talking about Total Permanent Disability, a potential claimable condition on most UK Critical Illness Contracts. We are talking about how TPD claims work and also the difficulties that can be experienced in placing a claim for this condition.This episode is taking a different approach to usual. As you know we love protection insurance and getting as many people as possible to t
Insurtech and Health Data
Hi everyone, we have Lisa Balboa back with us giving her insights into insure tech and how this could change the way that insurers underwriter insurance applications and give ongoing health support to their policyholders.We are talking about wearables and things that your smartphone can do that is absolutely brilliant, though I do find it scary in some ways! I share how one of the apps that Lisa s
Prostate Cancer
Hi everyone, we are back with Matt Rann and taking a look at prostate cancer, in perfect time for Movember. Usually when someone has cancer insurers don’t like to offer life insurance, critical illness or income protection, until the person is completely recovered. Prostate cancer is the exception (sometimes!).We are going to talk about when you might be able to still get protection insurance when
Market Trends
Hi everyone, we have Steve Baldry and Katie Dennehy with us from UnderwriteMe, talking about the changes that they have seen in the protection insurance market. There’s a lot of stats!We are looking at the types of advice that we are seeing advisers giving, the differences in consumer behaviour across genders and different age groups, plus the most common disclosures that we see in protection insu
Expats Insurance
Hi everyone, we have Matt Rann back with us for the first time this season and we are taking a look outside of the UK. I speak to quite a lot of people who live or work abroad for extended periods of time and this can really reduce the options for arranging insurance with a UK insurer.It’s important to make sure that you know your permissions before advising anyone that is not resident in the UK.
Protecting The Whole Family
Hi everyone, we are fresh from the IPTF Income Protection Awareness week and I hope that it has given you some insights into having more IP conversations. I have Rich Horner from MetLife joining me in our latest episode where we reflect on IPAW 2023 and discuss ways that you can protect your clients that don’t sit within life insurance, critical illness cover and IP products.During our chat we tal
Income Protection Task Force
Hi everyone, we are back with Season 8 of the Practical Protection Podcast and today it is all about income protection. We have Jo Miller, Katie Crook-Davies and Andrew Wibberley joining us from the Income Protection Task Force. Their job is to promote income protection to consumers, encourage advisers to engage in income protection conversations more and work with insurers to improve our industry
Kidney Disease
Hi everyone, we are going through how kidney disease can influence a person’s options for life insurance, critical illness and income protection. We are talking about the things that underwriters need to know about your client’s kidney disease to give you an accurate indication of terms.Matt is taking us through the connections between kidney function and blood pressure, how family history o
Claims Data
Hi everyone, we are going through claims stats in our latest episode. Don’t worry we are not just going to be throwing a load of numbers at you, I also won’t be naming insurers either. We are talking through how much was been paid out in protection in 2022, the successful stats rate of different products, the biggest cause of claims and our thoughts on terminal illness cover too as the stats
Sarcoidosis
Hi everyone, we are getting towards the end of Season 7, do you have any thoughts of what you would like us to cover in Season 8?We are talking about a rare condition in this episode, one that can affect multiple organs in the body. Sarcoidosis affects 1-2 people in every 10,000 so it isn’t a condition that every adviser will come across during their work, but it’s important to know about it as te
The Need for Change
Hi everyone, we are back with a bit of a different podcast episode this week. I’m joined by Roy McLoughlin and Lee Robertson and we are sharing our thoughts on how protection insurance is working right now. Regulators, government, financial advisers, protection education, we are not holding back on what we think.It’s incredibly interesting to hear from Lee that when he joined the finance sector ov
Lung Cancer
Hi everyone, we are back with Matt Rann and we are talking about lung cancer and protection insurance. There are 43k cases of lung cancer diagnosed in the UK each year. When it comes to life insurance, critical illness and income protection there are a lot of considerations given to the survival rate of people diagnosed with lung cancer, as unfortunately only 16% of cases are caught in the early s
Economic Abuse
*** Trigger Warning ***Hi everyone, we are back with quite a change of episode today to the usual content. I am talking with Lauren Garrett from the SEA Charity, an organisation that is dedicated to helping people that have experienced economic abuse.Listening to what Lauren has to share is really eye opening as to the awful situations people can find themselves in and remember this isn’t somethin
Sickle Cell
Hi everyone, we are back with a health related podcast after our little peak at pilots insurance last time. In the latest episode we are looking at sickle cell and how having this condition can potentially affect the options a person has for things like life insurance.Sickle cell is an inherited condition that can lead to some health complications and potentially a lower life expectancy. When we a
Pilots Insurance
Hi everyone, we have been seeing more enquiries from pilots about the types of insurances that they can have. It’s a real mix of options especially when you look at commercial, test, helicopter and military pilots.Pilots have usually looked at loss of license insurance before and this is a good policy, but more and more are starting to see the benefits of income protection as an alternative. As wi
Ovarian Cancer
Hi everyone, I am back with Matt Rann and we are talking about ovarian cancer. We are talking about what underwriters need to assess a protection insurance application, the treatments that can sometimes help you to understand how strong the cancer was and how family medical history can play a part in terms offered.Ovarian cancer is usually diagnosed in women that are aged 50 or over, but it can be
The Value of Trusts
Hi everyone, we have Charlotte Rogers joining us in our latest episode to talk about the value of Trusts. Charlotte has an incredibly moving story to share about how her life was turned upside down by a life insurance policy that wasn’t written into Trust.A Trust is designed to get the insurance payout to intended beneficiary of the policy. A key question for any adviser who doesn’t put a life ins
Money and Mental Health
Hi everyone, in our latest episode I have Conor D’Arcy Head of Research and Policy at the Money and Mental Health Policy Institute joining me. They have recently published a report about their findings into how insurance and mental health are mixing together.Titled the ‘Written Off? report the institute have highlighted where things are not necessarily working well for consumers that are wanting t
Family Medical History
Hi everyone, we have Matt Rann back with us for the first time in Season 7 and we are focusing upon family medical history and how this can impact insurance applications. There are lots of things to know in terms of what you need to tell insurers about your family medical history and what you don’t need to tell them too.We are taking a look at the most common medical conditions that can lead
Updates to HIV Underwriting
Hi everyone, we have a brilliant inbetweenysode for you with some updates to insurance options for people living with HIV. It has been a long time coming but the past 3 years have seen big steps being made to improve options for protection insurance for people that have a diagnosis of HIV.The key takeaways:There are sometimes options for standard rates for life insurance, for people living with HI
Comparing Critical Illness Cover
Hi everyone, we are back a little later than usual with the second episode of Season 7. Don’t worry I’m going to make up for it with an inbetweenysode soon. We have Paul Roberts from CIEXpert joining us on this episode to talk about critical illness cover and how it has changed since it became available in the UK 40 years ago.We are talking about the numbers race with insurers competing to have th
The Tables Are Turned
Hi everyone, it’s the start of Season 7 and we have an episode different to any other we have done so far. Setul Mehta is taking over as guest host and it is myself and Roy that are in the spotlight, being quizzed about our take on insurance advice and the way the industry is working.We are talking about objection handling, decline conversations, vulnerable clients, stepping outside of comfort zon
Critical Illness Cover Masterclass
Hi everyone, we are kicking off the New Year with a masterclass in advising in critical illness cover. Alan Knowles from Cura Financial Services is joining us to take us through some case studies of arranging critical illness cover for people with disclosures that can lead to exclusions and premium increases on critical illness cover.The key takeaways:A case study of arranging critical illness cov
Not Just the Money
Hi everyone, we are talking about value added benefits that often come with protection insurance policies. Be it access to remote GPs, second medical opinion services, mental health support or more, these extras can make an insurer really standout as a good place for your clients.In this episode we are looking at how value added benefits work during a policy, at the point of a claim and after. Are
The State of Mortgages
Hi everyone, we are talking about what is happening in the mortgage world right now, trying to make sense of things in this ever changing economy in the UK. If like me you are aware of mortgages and know advisers in this space, you might see lots of different messages on social media. Some say things are going to be a disaster, others are saying that what we are seeing is just a blip and it will a
High Net Worth Insurance
S6 Ep 6 - High Net WorthHi everyone, we are back with Matt Rann and talking about high net worth protection insurance applications. We are talking about what makes a case considered to be high net worth and how advisers and underwriters might classify these differently. We are having a chat about joint life second death insurance, gift planning and what a retrocessionaire is.The key takeaway
AMI Protection Viewpoint
Hi everyone, we have our first ever second IBTS of the podcast in one season and with very good reason! We have just seen the launch of the AMI Protection Viewpoint report of 2022 and in this episode we have Senior Policy Adviser, Stacy Penn, with us to talk through the findings of this report.We are talking about adapting approaches in your sales techniques to bring protection right The key
Trusts
Hi everyone, we have Ruth Gilbert with us in the latest episode of the podcast and we are talking about Trusts. Trusts are a key part of a protection insurance recommendation and there’s a lot to know. There are different types, what do you do with the gifting of a terminal illness payout, how do things change when the policies are being used for IHT and gift planning.We talk about who can be trus
