Advice

Risk Clinic, August 2009

John, 45, is an office manager looking for protection. He has a £200 000 mortgage and two children that he has custody of following his divorce two years ago. He doesn't exercise and although he had an alcohol problem four years ago, he does not drink....

Case study

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...

Case study

Jack and Jill are professional actors in their mid-fifties, based in London, with a variable rate mortgage of £800 a month. They work pretty regularly and do tutoring or administrative work when acting work is poor. They would like an income protection...

Case study

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...

Case study

Following his brother's diagnosis and recovery from throat cancer last year, Bob wants to take out s...

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Ruth, 26, is a magazine designer living in London. Although in good health, she suffered from ME for...

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Beverly, 42, earns £44,000 working as an architect for a large building company. She has nerve damag...

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Russ, 33, has recently left a high-paid media job. Although he has no solid position to go to, he is...

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Neil, 48, is presently a freelance consultant, having recently been made redundant from his job at a...

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Company A has taken over Company B. Company A has, in the past, had group income protection (IP) and...

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Rachel, 35, is a self-employed private detective. She leads a healthy active lifestyle but drinks tw...

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Ruth is an HR manager for a brewery in Glasgow that employs 149 people. Having attended a conference on employee benefits, she is now looking to take out some form of staff protection which she hopes will act as an incentive when hiring new employees....

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Victoria, 24, is a supply teacher who lives in Cambridge. Her boyfriend has been encouraging her to take her financial situation more seriously and has recommended she takes out private medical insurance. She leads an active life and regularly attends...

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James, 27, is a personal trainer for a gym and earns £26,000. He likes adventure sports such as skyd...

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Bertie, 50, has watched the demise of his brother to Alzheimer's without any financial protection. Bertie is a managing director for a department store in Edinburgh. He has private medical insurance through his company but no other cover. He can afford...

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James, 46, is a newly qualified IT programmer who earns around £35,000 a year and lives with his mother in the suburbs of London. He works on a freelance basis and would like to take out private medical insurance. James lives a relatively healthy lifestyle...

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John, 45, was admitted to hospital last year suffering with chest pains. John runs his own business as a site manager of a quarry, and would like to take out business protection so that the business is catered for should something happen to him. He works...

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Paul and Jemima are both 30 and have stopped smoking as part of their new year's resolution. They are looking to take out private medical insurance in a bid to look after themselves both now and in the future. Paul earns £32,000 as a press officer, and...

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Tom, 35, lives with Beverley, his wife of the same age. Last week, Tom fell down the stairs and while his doctor has said there will be no lasting damage, he has torn the muscles in his left shoulder. Tom works as a teacher. He earns £30,000 a year and,...

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Philip and Arthur have just entered into a civil partnership and both want to ensure that the other is able to cope financially should they suffer an illness and become unable to work. They both smoke and enjoy a drink most nights but regularly go to...

Case study

Mark is a 50-year-old plumber who is looking to spend another 10 years in his profession before taking early retirement. He is married with one child and has yet to quit his 30-a-day smoking habit, which he started when he was in prison 20 years ago....