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Don’t Underestimate Your Value When It Comes to Household Tasks

In Family, Industry News, Protection by PCH Staff

A new report has estimated that a father’s contribution to household tasks is a whopping £21,601 per year. However, despite this reality, less than a third (28%) of parents have suitable critical illness insurance in place. The financial implications of a parent becoming ill and unable to work as a result are often highlighted. But what about the impact a …

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Moving Abroad? A Good Time to Review Your Protection Needs

In Family, Individual, Protection by PCH Staff

According to recently released research, approximately 4.4 million holidaymakers suffered injuries while on trips abroad during the last three years and the total cost of all these injuries amounted to more than £1 billion. In fact, over one third (38%) of people who holidayed during that period suffered an injury and for 37.5% the average cost was more than £252 …

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More Evidence to Support How Crucial a Financial Backup Plan Is

In Family, Individual, Industry News, Protection by PCH Staff

New figures have revealed a surge in the number of working age men and women suffering from strokes in the UK each year; a reality that adds further weight to the argument for having a financial backup strategy in place. The Stroke Association analysed national hospital admission data spanning 2000 to 2014 and found that the number of strokes affecting …

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The Traditional “Breadwinner” Role is Changing

In Family, In The Press, Industry News, Protection by PCH Staff

A recent study has revealed that a quarter of young women now earn more than their partners, but as a result they feel more under pressure and have been urged to think about insuring their finances. The study found that one in five women now generate the majority of their household’s income. In women aged under 24, this figure increased …

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Income Protection – How to Understand How Much Sick Pay You Are Entitled to?

In Family, In The Press, Protection by PCH Staff

How much attention have you paid to your employment contract? More specifically, how much attention have you paid to your sick pay entitlement? Like many people, unless it’s something you particularly needed at the time of employment, you probably just skimmed over that section of your contract. But what if you have an accident or get ill, and are out …

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If Your Circumstances Change There’s a Strong Likelihood That Your Insurance Protection Should Too

In Family, In The Press, Insurance, Protection by PCH Staff

It’s undeniable that our lives are constantly changing – sometimes for better, sometimes for worse. But as our lives and situations change, so should our financial safeguards. After all, they are the measures that we have put in place to ultimately protect ourselves, our families, our homes and our lifestyles in the event of uncertain circumstances arising. However, quite worryingly, …

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PCH Consultant Q&A June 2014 – Phil Knight

In Business, Family, In The Press, Individual, Industry News by PCH Staff

This month we have the pleasure of chatting with Phil Knight, one of our outstanding independent health insurance consultants based in West Yorkshire. Phil talks passionately about his time in the industry, what expertise he anticipates people needing in the future and where he sees the industry going as a result of recent trends… Hi Phil… Tell us a little …

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Who Will Help When You’re Not in a Fit State?

In Family, Protection by PCH Staff

A claim on a protection product (Life insurance, Critical illness, Income protection, etc.) will always take place at a most stressful and vulnerable time as you or a loved one becomes seriously ill or passes away. One of our advisers Les Schroeter found himself in an unfortunate situation when he had to advise a personal family member on how best to …

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Discounted Life Insurance

In Family, In The Press, Protection by PCH Staff

You can save up to 47% on your life insurance premium if you are a company director or an employee of any organisation. Traditionally personal life insurance cover is paid for out of your taxed income.  Such income will have already been subjected to employers and employees NI, and taxed at your marginal tax rate. This can now be done …