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Russ, 33, has recently left a high-paid media job. Although he has no solid position to go to, he is...

Russ, 33, has recently left a high-paid media job. Although he has no solid position to go to, he is guaranteed a number of lucrative, freelance assignments. The temporary absence from permanent employment has made him rethink his financial needs and he would like to take out some individual IP. What would you recommend for him? Alan Lakey, principal, Highclere financial Services Russ has sensibly identified that protecting his income is a priority. As he is newly self-employed, he will not be able to provide a net profit figure for some time therefore the choice of insurer needs to be ...

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