risk clinic

My client, Sarah, is a 43-year-old office administrator and single mother whose daughter, Jane, has severe spina bifida.

My client Alan owns a building company that employs 47 people. He already has death in service insurance for his employees, and I'm trying to convince him of the need for an employee income protection (IP) policy. What are the arguments to extend this...

Quigley's Fine Wine and Champagne Merchants is looking to take out some business protection in the event that one of the four directors dies. All four - Ryan, Steve, Dave and Jack - are in their mid-forties and in generally good health, although Steve...

Gordon, 58, wishes to take out a private medical insurance (PMI) policy. He is in generally good health but works in an extremely stressful position as a highly paid civil servant. However, due to the recession, he will probably find himself retiring...

Following his brother's diagnosis and recovery from throat cancer last year, Bob wants to take out some critical illness (CI) cover for himself. Bob is 47, drinks moderately but has a body mass index (BMI) of 32 despite being physically active by cycling...

Beverly, 42, earns £44,000 working as an architect for a large building company. She has nerve damage in her right arm caused by a car accident a few years ago for which she was not at fault. She is divorced with custody of two children aged 11 and 14....

Edward is 32 years old and has just moved in with his girlfriend Jo who is also 32. He works as a lecturer at the local university and has, until the recent smoking ban, indulged in a 20-a-day smoking habit. Much to the delight of Jo, he has now stopped...