*** Trigger Warning *** Hi everyone, we are back with quite a change of episode today to the usual content. I am talking with Lauren Garrett from the SEA Charity, an organisation that is dedicated to helping people that have experienced economic abuse. Listening to what Lauren has to share is really eye opening as to the awful situations people can find themselves in and remember this isn’t something that just happens, it often happens gradually. There is no specific person that can be affected by this, anyone can be. The key takeaways: Financial abuse falls within economic abuse, it is just ..read more

Hi everyone, we are back with a health related podcast after our little peak at pilots insurance last time. In the latest episode we are looking at sickle cell and how having this condition can potentially affect the options a person has for things like life insurance. Sickle cell is an inherited condition that can lead to some health complications and potentially a lower life expectancy. When we are supporting our clients that are living with this condition it is essential that we know the right questions to ask, to find the right insurer for them as soon as possible. The key takeaways: Insu ..read more

Hi everyone, I am back with Matt Rann and we are talking about ovarian cancer. We are talking about what underwriters need to assess a protection insurance application, the treatments that can sometimes help you to understand how strong the cancer was and how family medical history can play a part in terms offered. Ovarian cancer is usually diagnosed in women that are aged 50 or over, but it can be diagnosed at any age. It’s often not found quickly as the symptoms can be quite general and Matt gives a really clear example of symptoms that can indicate it’s best to go speak with a GP for a chec ..read more

Hi everyone, we have Charlotte Rogers joining us in our latest episode to talk about the value of Trusts. Charlotte has an incredibly moving story to share about how her life was turned upside down by a life insurance policy that wasn’t written into Trust. A Trust is designed to get the insurance payout to intended beneficiary of the policy. A key question for any adviser who doesn’t put a life insurance policy into Trust is, if you don’t know the beneficiary then is there any need for life insurance? The key takeaways: Only 20% of life insurance policies are written into Trust in the UK Trus ..read more

Hi everyone, in our latest episode I have Conor D’Arcy Head of Research and Policy at the Money and Mental Health Policy Institute joining me. They have recently published a report about their findings into how insurance and mental health are mixing together. Titled the ‘Written Off? report the institute have highlighted where things are not necessarily working well for consumers that are wanting to get insurance, when they have a mental health condition. The key takeaways: They found that someone with mental health can potentially pay up to 27x the base premium for travel insurance 3 in 10 r ..read more

Hi everyone, we have Matt Rann back with us for the first time in Season 7 and we are focusing upon family medical history and how this can impact insurance applications.  There are lots of things to know in terms of what you need to tell insurers about your family medical history and what you don’t need to tell them too. We are taking a look at the most common medical conditions that can lead to a rating or exclusion if someone has a relative that has a condition that the insurer asks about. When we say family medical history this is just the blood related parents and siblings, to the be ..read more

Hi everyone, we have a brilliant inbetweenysode for you with some updates to insurance options for people living with HIV. It has been a long time coming but the past 3 years have seen big steps being made to improve options for protection insurance for people that have a diagnosis of HIV. The key takeaways: There are sometimes options for standard rates for life insurance, for people living with HIV. Personal critical illness cover and income protection for people living with HIV is here! Group insurance can often offer valuable protection insurance without the need for medical underwritin ..read more

Hi everyone, we are back a little later than usual with the second episode of Season 7. Don’t worry I’m going to make up for it with an inbetweenysode soon. We have Paul Roberts from CIEXpert joining us on this episode to talk about critical illness cover and how it has changed since it became available in the UK 40 years ago. We are talking about the numbers race with insurers competing to have the highest number of conditions offered, partial payments, children’s cover and the big risks that can come from replacing an existing critical illness policy with a new one. The key takeaways: The n ..read more

Hi everyone, it’s the start of Season 7 and we have an episode different to any other we have done so far. Setul Mehta is taking over as guest host and it is myself and Roy that are in the spotlight, being quizzed about our take on insurance advice and the way the industry is working. We are talking about objection handling, decline conversations, vulnerable clients, stepping outside of comfort zones and more.  The key takeaways: Building confidence in advising on protection insurance. Ways to change your communications to support people with protected characteristics. Our views on manda ..read more

Hi everyone, we are kicking off the New Year with a masterclass in advising in critical illness cover. Alan Knowles from Cura Financial Services is joining us to take us through some case studies of arranging critical illness cover for people with disclosures that can lead to exclusions and premium increases on critical illness cover. The key takeaways: A case study of arranging critical illness cover for someone living with multiple sclerosis. A case study of arranging critical illness cover for someone having experienced a strong mental health history. A case study of helping a person cla ..read more