Living and working overseas is a challenge that many UK citizens take up every year. It can also be an enormous upheaval on many levels. For our clients, giving support for their health and well-being in the shape of International Private Medical Insurance (iPMI) is a vital part of the services we offer. At home in Britain, regardless of whether …

Filling in forms, we all hate it, but one of the most vital parts of the process of setting up an insurance plan is underwriting and unfortunately this involves completing a paper or on-line application. So what is underwriting? In a nutshell it is the process by which an insurer establishes the risk a prospective policy holder presents to them …

During all of our personal and work lives there are key events that trigger the need for consideration of life, health and protection insurance cover. Let’s examine a series of important life stages and see where an insurance protection policy review might be useful. Starting Work – leaving University or other education/training as you begin your career you’ll often be presented …

Income protection (IP) and Private Medical Insurance (PMI) are two important insurance protection products. However, many clients (and indeed insurance advisers) will only consider one of these products at any one time. This is probably due to the prospective costs of buying two plans instead of one but also ignores how well these two subtly different products can work together …

There’s always something to look forward to whether it’s a birthday, Christmas or just the fact that it’s nearly Friday! When it comes down to it, there are so many little celebrations always on the horizon, it’s easy to put off things that aren’t as much fun. With things like bank balances, interest rates and maintaining a healthy lifestyle, it’s perfectly …

In this article we aim to dispel those frequent misconceptions that make people think they just don’t need protecting. It is a fact that there is a massive disparity between the amount of life and protection insurance people in the UK currently have versus the amount they actually need or should have. This so called ‘protection gap’, the amount of …

Working with clients we find people who either have no life assurance or very little. People often hope either that the worse will never happen within their family or that the state will provide for them if a key earner within the family dies. However, real life can be very different. A major UK insurance company recently undertook a survey* …

In 2011 the European Court of Justice ruled that it is now illegal discrimination to use a persons gender to calculate the price of an insurance policy. This new directive came in to force in the United Kingdom on the 21st of December 2012 and basically means that insurance companies within member states of the EU are banned from considering …

As well as being an important Christian festival many people often aren’t aware that the Christmas celebrations (still held around the mid-winter solstice) were partly based on an ancient Roman religious holiday (called the Saturnalia Festival). This riotous holiday which included parties to which slaves and masters sometimes attended together, the giving and receiving of gifts and various religious observations …

Anyone who works for themselves, runs a small business or who holds a senior role within a company where their absence could materially affect that business moving forward should be aware of the importance of being able to go to work and be productive consistently on a long term basis. Put simply, their health and its on-going maintenance is as …

There are several basic categories of personal health and protection insurance plans. Each product is potentially an important element in your life long personal financial planning strategy, but who needs which product? Here we will look briefly at which types of insurance product you might need. Life cover – level term (a set amount of life cover over a specific …