risk clinic

"I'm an IFA who advises on protection. How can I use published claims statistics with clients? Is there an accepted sales technique for using such statistics? I'm also concerned about comeback of clients who might focus on percentage points and just want...

I am an IFA and previously I was a tied agent for a bank. I am now considering setting up on my own. I have a lot of knowledge and experience in protection but I am considering branching out into private medical insurance (PMI). Is this a different mind-set...

I am a broker arranging private medical insurance for a client. I am looking to contain costs using a menu-based plan and picking and choosing the options for my client. However, I am worried about the long-term implications of such a plan, in case I...

I have a few clients lately who might all be a good fit for group income protection cover. I am fairly new to the market and wondered how much emphasis I should put on the Employee Assistance Programmes and additional support elements in the products,...

My client pays monthly child benefits for his three children that live with their mother and he also has a mortgage of his own. He is claiming on a critical illness (CI) policy and is eligible for a pay-out. What are the considerations for taking the...

My client is an SME employer who can no longer insure employees until default retirement age after its removal. He is continuing to provide group income protection benefits to all of his employees for as long as they work in the company. What considerations...

I have a business client in need of international private medical insurance. He is a software designer looking to take up a government contract in Chad. He is only 32 but is 287lb and has type two diabetes. Apart from an obvious loading, what else should...

My client is 35, single and earns a significant wage. He has no protection at all. He rents an expensive property in south west London and has no living relatives. I am trying to advise him on why he needs protection. What types could be best for him...

My firm has broadened out to offer international private medical insurance advice. Global marketing has pulled overseas clients into the business, many of whom are Russian. For those that do not speak English, what support can I offer in helping them...

My client, a company director of a medium-sized firm, has recently been diagnosed with heart problems due to a virus. He has no cover and providers have now refused to insure him. What other options can he explore?