risk clinic

I have a client who has many health problems, but recognises the significant need for protection. Due to his Crohn's disease, type 1 diabetes and heart condition, I have found it impossible to get cover from any of the major providers. Cost is not an...

My client has an individual IP policy, but his employer is offering group IP cheaper for the same level of cover, plus an employee assistance programme (EAP). It is unlikely he will work for the same employer for life and this policy has a continuation...

A client who owns a four-man window fitting company has asked me to organise business protection for him. This is not an area I'm familiar with, so as a complete beginner how do I go about evaluating the amount I should be protecting him for?

My client is 42 and runs a consultancy in the oil industry. As a result he has to travel extensively, including contracts in dangerous and high disease risk countries such as Algeria, Sudan and Nigeria. He has already arranged international private medical...

My clients are a newly married couple aged 33 and 29. They both value their personal private medical insurance (PMI) plans but are concerned that rising premiums mean they may have to surrender them. What options are available that could persuade them...

I sold my client a family income benefit (FIB) plan which has subsequently been claimed on. However, I was surprised to discover that the provider convinced my client to take the benefit as a lump sum instead. Should the adviser be informed about this...

Alice suffered from anorexia in her teens and early 20s. She now has a partner with whom she shares a joint mortgage but also has some underlying mild depression.

My client has recently purchased a life and critical illness (CI) plan and noticed it included free child's cover, although it does have significant exclusions. She is now interested in covering her child to the same level of herself and her partner....

My client, Steve, has just asked me to perform an overall review of his protection needs following the start of his new family. He's only 32 and has an existing 10-year-old critical illness policy (25-year term). Should I recommend keeping this for the...

My client Dave has very little disposable income. He is employed, but having seen friends made redundant through the recession, he has been spooked about his financial instability, although he has no indication that his job is at risk. He is single with...