Assisted Dying
The Practical Protection Podcast
by Kathryn Knowles
1d ago
Hi everyone, I am talking about a very emotive topic today after being approached on social media as to how insurers view assisted dying. With recent debates on passing assisted dying laws in the Scottish and Isle of Man governments, it is something that is likely to be discussed by UK insurers at some stage. I have been very clear not to provide an opinion about whether assisted dying should and shouldn’t be allowed, instead focusing on the facts of how the majority of life insurance policies in the UK would behave if a claim was made following someone choosing to die due to their health. At ..read more
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Executive Income Protection
The Practical Protection Podcast
by Kathryn Knowles
2w ago
Hi everyone, I am back with another look at an insurance product that can be incredibly useful, especially for small business owners. Protecting your income is one of the key things that any of us can do, to try and give ourselves financial security for the future. As with any protection insurance it’s something that we hope to never have to claim on, but we will forever be grateful for if we have taken it out. In this episode I am explaining some of the main ways that executive income protection is different to personal income protection, how to explain the benefits of the policy if you get s ..read more
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Atrial Fibrillation
The Practical Protection Podcast
by Kathryn Knowles
1M ago
Hi everyone, I have Matt back with me and we are focusing upon protection insurance options for people living with atrial fibrillation. It can be quite interesting when speaking with clients who have this condition as the medical world and the insurance world can view atrial fibrillation quite differently. The key takeaways: You are 5x more likely to have a stroke if you have atrial fibrillation The types of information you need to know to get a clear underwriting indication for life insurance, critical illness cover and income protection. Two case studies of arranging life insurance and inco ..read more
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Relevant Life Insurance
The Practical Protection Podcast
by Kathryn Knowles
1M ago
Hi everyone, I am back with another focus on a business protection product, rather than the usual underwriting deep dive. This time I am going through the key points of relevant life insurance. In the podcast I discuss how relevant life insurance is an employer and employee relationship. It’s a thank you for your service to the company. I forgot to mention that one of the key ways to check if someone is eligible for this is if they are on the payroll (taking PAYE). Relevant life insurance is probably the simplest business insurance product that we can arrange for our clients. The key takeaways ..read more
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Hypertrophic Cardiomyopathy
The Practical Protection Podcast
by Kathryn Knowles
2M ago
Hi everyone, I have Matt back with me for the first time of Season 9 and we are focusing on hypertrophic cardiomyopathy. HCM is a heart condition that affects approximately 1 in 500 people in the UK and it can potentially be a higher risk for a life insurance claim. We talk about the different types of cardiomyopathy, how they affect the body and the usual causes of cardiomyopathy. Matt takes us through the two types of hypertrophic cardiomyopathy and how they can affect the outcomes for protection insurance applications. The key takeaways: There is a genetic link to HCM and it can come up in ..read more
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Keyperson Insurance
The Practical Protection Podcast
by Kathryn Knowles
2M ago
Hi everyone, I am back with Season 9 of the Practical Protection Podcast and we are taking a look at keyperson cover.  Hopefully one of the simpler business protection policies that we can arrange, but I have certainly had some interesting conversations with people that don’t understand what this kind of insurance does. I remember quite a specific debate with a tax adviser who was saying their client needed keyperson cover because they wanted the tax advantages of the premiums, but what they needed the insurance to do was shareholder protection. I stood my ground! The key takeaways: Keyp ..read more
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Anitphospholipid Syndrome
The Practical Protection Podcast
by Kathryn Knowles
3M ago
Hi everyone, I have Matt back with me and this time we are focusing on Antiphospholipid syndrome (APS). This is an autoimmune condition that increases the chance of someone developing blood clots. More women than men are diagnosed with APS and at the moment there is no specific reason why APS develops. It is thought that a mix of environmental factors can lead to APS developing, but there are still people that are diagnosed with APS where no known cause is found. When applying for protection insurance most insurers will want to know if a person has been diagnosed with APS. It is very likely th ..read more
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Shareholder Protection
The Practical Protection Podcast
by Kathryn Knowles
3M ago
Hi everyone, I am doing another product feature today with a look into shareholder protection. I can’t remove all the jargon but I’m going to do my best to make it as simple as possible! In this episode I am giving an overview of cross-option and company buy-back shareholder protection options. There are other ways of doing shareholder protection arrangements, but these tend to be the main ones so I’m focusing here. I’m giving you a quick run through key elements of shareholder protection for you to make note of, to give you a bit of a checklist of insurance do’s and dont’s. The key takeaways ..read more
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Rheumatoid Arthritis
The Practical Protection Podcast
by Kathryn Knowles
4M ago
Hi everyone, we are talking about arthritis in our latest episode and taking a closer look at rheumatoid arthritis. When it comes to protection insurance rheumatoid arthritis is going to come up in the application questions at some point. Rheumatoid arthritis and the treatment for it can affect a lot of areas in the body and it’s a condition that tends to get worse over time, so insurers usually want to know about it. You are far more likely to be diagnosed with rheumatoid arthritis if you are a woman and if you are over 40. But that doesn’t mean that you can’t get it when you are young or if ..read more
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Business Property Relief
The Practical Protection Podcast
by Kathryn Knowles
4M ago
Hi everyone, I am taking a bit of a different approach with some of the upcoming podcast episodes and I hope that you find it useful. I am going to take specific protection insurance products and do a summary of how they work and what to look out for as an adviser The first one is focusing upon insurance for Business Property Relief. In this episode I am explaining what BPR is and why it’s so important that we look out for it, as some people might have wandered into an arrangement that could potentially have this tax benefit without even realising it. The life insurance side of things is quite ..read more
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