risk clinic

Alice suffered from anorexia in her teens and early 20s. She now has a partner with whom she shares a joint mortgage but also has some underlying mild depression.

My client has recently purchased a life and critical illness (CI) plan and noticed it included free child's cover, although it does have significant exclusions. She is now interested in covering her child to the same level of herself and her partner....

My client, Steve, has just asked me to perform an overall review of his protection needs following the start of his new family. He's only 32 and has an existing 10-year-old critical illness policy (25-year term). Should I recommend keeping this for the...

My client Dave has very little disposable income. He is employed, but having seen friends made redundant through the recession, he has been spooked about his financial instability, although he has no indication that his job is at risk. He is single with...

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....