Rose St Louis: Looking beyond the life milestone of buying a property

'Choosing the right moment to raise the subject of protection is about personalising the protection conversation'

clock • 4 min read

While the primary trigger for protection buyers is the purchase of a new home, there are plenty of other life milestones that advisers should be looking at as key points to discuss cover with clients, writes Rose St Louis, protection director at Scottish Widows.

Covid-19 has exposed a level of fragility in the UK's financial resilience. The widespread loss, job insecurity and illness experienced by many has highlighted the need for protection as a part of individuals' financial resilience plans. Advisers are well-placed to help their clients navigate their protection priorities and options; the challenge is finding the right moment to broach the topic. So, what is the right moment? From recent Scottish Widows research, we can see that purchasing a home is the ‘go to' moment for advisers to start the protection conversation with their clients....

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Individual Protection

Aviva updates online trust process

Aviva updates online trust process

Digitised trust for individual protection

Cameron Roberts
clock 28 November 2025 • 1 min read
Fairer Finance adds former FCA chair to consumer board

Fairer Finance adds former FCA chair to consumer board

Charles Randell CBE joins

Jaskeet Briah
clock 28 November 2025 • 1 min read
A history of protection products

A history of protection products

The good, the bad (and the ugly)

Tom Baigrie and Ryan Griffin
clock 27 November 2025 • 6 min read