risk clinic

My 45-year-old client was made redundant due to the recession, but has recently started a new yet much lower-paid job. With his income protection (IP) policy covering his last wage level, he is now over-insured and would not be able to claim his full...

I do few PMI sales and want to cover my back with a business client. They are a wealthy couple in their 50s and both have had heart attacks. Obviously their PMI cost is high but they are looking at moratorium underwriting to alleviate this. Am I right...

My client has been reading about severity based payments for critical illness (CI) policies. I believe there is merit in polices that don't do this. In sales terms, what is the opposite side of the argument I can put to him?

My client is just starting out in freelance consultancy after being made redundant. He is a single parent with a 14-year-old daughter and previously had all major protections and private medical insurance (PMI) through work. I will cover him for the usual...

During a recent visit to a small company, my client was complaining about the length and frequency of her staff absence. Having no experience in this before, where would my start point be in introducing an absence management and return to work policy...

I have a client making a claim on a critical illness (CI) policy. The provider is suggesting they take a lump sum payment rather than the family income benefit (FIB) they originally bought. I realise there are various arguments for each side, but what...

My client is a 48-year-old successful businessman with a wife and two children. He was a cocaine addict but has been through rehab three times and is currently clean. He also smokes. Having no protection at the moment, he is aware of the need to look...

I advise on PMI schemes for small groups. With many members in their 60s, what do I need to consider as they approach retirement?

Several clients have come to me with queries about existing mortgage payment protection insurance (MPPI) and PPI policies. I don't have the time to read all the policy documentation, but given the current situation in the PPI market for Treating Customers...

I treat life and critical illness as fairly commoditised products for perfectly healthy people aged under 35. Can I do more to help them in this area?