Living dangerously

Finding an income protection (IP) product that will suit a client's needs is not an easy task. Once previous medical history has been thoroughly examined, the individual's occupation also has to be taken into account before choosing cover. For an adviser with a client working in a high-risk occupation, the latter could prove to be the biggest hurdle. Hard-hitting facts To overcome this challenge, establishing exactly what is defined as a high-risk job is crucial. Traditionally, the answer was usually based on whether someone was a blue-collar or white-collar worker and the conclusion wa...