The Practical Protection Podcast

Hi everyone, we are talking about Total Permanent Disability, a potential claimable condition on most UK Critical Illness Contracts. We are talking about how TPD claims work and also the difficulties that can be experienced in placing a claim for this condition. This episode is taking a different approach to usual. As you know we love protection insurance and getting as many people as possible to...

Hi everyone, we have Lisa Balboa back with us giving her insights into insure tech and how this could change the way that insurers underwriter insurance applications and give ongoing health support to their policyholders. We are talking about wearables and things that your smartphone can do that is absolutely brilliant, though I do find it scary in some ways! I share how one of the apps that Lisa...

Hi everyone, we are back with Matt Rann and taking a look at prostate cancer , in perfect time for Movember. Usually when someone has cancer insurers don’t like to offer life insurance , critical illness or income protection , until the person is completely recovered. Prostate cancer is the exception (sometimes!). We are going to talk about when you might be able to still get protection insurance...

Hi everyone, we have Steve Baldry and Katie Dennehy with us from UnderwriteMe, talking about the changes that they have seen in the protection insurance market. There’s a lot of stats! We are looking at the types of advice that we are seeing advisers giving, the differences in consumer behaviour across genders and different age groups, plus the most common disclosures that we see in protection ins...

Hi everyone, we have Matt Rann back with us for the first time this season and we are taking a look outside of the UK. I speak to quite a lot of people who live or work abroad for extended periods of time and this can really reduce the options for arranging insurance with a UK insurer. It’s important to make sure that you know your permissions before advising anyone that is not resident in the UK....

Hi everyone, we are fresh from the IPTF Income Protection Awareness week and I hope that it has given you some insights into having more IP conversations. I have Rich Horner from MetLife joining me in our latest episode where we reflect on IPAW 2023 and discuss ways that you can protect your clients that don’t sit within life insurance, critical illness cover and IP products. During our chat we ta...

Hi everyone, we are back with Season 8 of the Practical Protection Podcast and today it is all about income protection . We have Jo Miller, Katie Crook-Davies and Andrew Wibberley joining us from the Income Protection Task Force. Their job is to promote income protection to consumers, encourage advisers to engage in income protection conversations more and work with insurers to improve our industr...

Hi everyone, we are going through how kidney disease can influence a person’s options for  life insurance , critical illness and income protection . We are talking about the things that underwriters need to know about your client’s kidney disease to give you an accurate indication of terms. Matt is taking us through the connections between kidney function and blood pressure, how family histor...

Hi everyone, we are going through claims stats in our latest episode. Don’t worry we are not just going to be throwing a load of numbers at you, I also won’t be naming insurers either.  We are talking through how much was been paid out in protection in 2022, the successful stats rate of different products, the biggest cause of claims and our thoughts on terminal illness cover too as the stats...

Hi everyone, we are getting towards the end of Season 7, do you have any thoughts of what you would like us to cover in Season 8? We are talking about a rare condition in this episode, one that can affect multiple organs in the body. Sarcoidosis affects 1-2 people in every 10,000 so it isn’t a condition that every adviser will come across during their work, but it’s important to know about it as t...

Hi everyone, we are back with a bit of a different podcast episode this week. I’m joined by Roy McLoughlin and Lee Robertson and we are sharing our thoughts on how protection insurance is working right now. Regulators, government, financial advisers, protection education, we are not holding back on what we think. It’s incredibly interesting to hear from Lee that when he joined the finance sector o...

Hi everyone, we are back with Matt Rann and we are talking about lung cancer and protection insurance. There are 43k cases of lung cancer diagnosed in the UK each year. When it comes to life insurance , critical illness and income protection there are a lot of considerations given to the survival rate of people diagnosed with lung cancer, as unfortunately only 16% of cases are caught in the early...

*** Trigger Warning *** Hi everyone, we are back with quite a change of episode today to the usual content. I am talking with Lauren Garrett from the SEA Charity, an organisation that is dedicated to helping people that have experienced economic abuse. Listening to what Lauren has to share is really eye opening as to the awful situations people can find themselves in and remember this isn’t someth...

Hi everyone, we are back with a health related podcast after our little peak at pilots insurance last time. In the latest episode we are looking at sickle cell and how having this condition can potentially affect the options a person has for things like life insurance. Sickle cell is an inherited condition that can lead to some health complications and potentially a lower life expectancy. When we...

Hi everyone, we have been seeing more enquiries from pilots about the types of insurances that they can have. It’s a real mix of options especially when you look at commercial, test, helicopter and military pilots. Pilots have usually looked at loss of license insurance before and this is a good policy, but more and more are starting to see the benefits of income protection as an alternative. As w...

Hi everyone, I am back with Matt Rann and we are talking about ovarian cancer. We are talking about what underwriters need to assess a protection insurance application, the treatments that can sometimes help you to understand how strong the cancer was and how family medical history can play a part in terms offered. Ovarian cancer is usually diagnosed in women that are aged 50 or over, but it can b...

Hi everyone, we have Charlotte Rogers joining us in our latest episode to talk about the value of Trusts. Charlotte has an incredibly moving story to share about how her life was turned upside down by a life insurance policy that wasn’t written into Trust. A Trust is designed to get the insurance payout to intended beneficiary of the policy. A key question for any adviser who doesn’t put a life in...

Hi everyone, in our latest episode I have Conor D’Arcy Head of Research and Policy at the Money and Mental Health Policy Institute joining me. They have recently published a report about their findings into how insurance and mental health are mixing together. Titled the ‘Written Off? report the institute have highlighted where things are not necessarily working well for consumers that are wanting...

Hi everyone, we have Matt Rann back with us for the first time in Season 7 and we are focusing upon family medical history and how this can impact insurance applications.  There are lots of things to know in terms of what you need to tell insurers about your family medical history and what you don’t need to tell them too. We are taking a look at the most common medical conditions that can lea...

Hi everyone, we have a brilliant inbetweenysode for you with some updates to insurance options for people living with HIV. It has been a long time coming but the past 3 years have seen big steps being made to improve options for protection insurance for people that have a diagnosis of HIV. The key takeaways: There are sometimes options for standard rates for life insurance, for people living with...

Hi everyone, we are back a little later than usual with the second episode of Season 7. Don’t worry I’m going to make up for it with an inbetweenysode soon. We have Paul Roberts from CIEXpert joining us on this episode to talk about critical illness cover and how it has changed since it became available in the UK 40 years ago. We are talking about the numbers race with insurers competing to have t...

Hi everyone, it’s the start of Season 7 and we have an episode different to any other we have done so far. Setul Mehta is taking over as guest host and it is myself and Roy that are in the spotlight, being quizzed about our take on insurance advice and the way the industry is working. We are talking about objection handling, decline conversations, vulnerable clients, stepping outside of comfort zo...

Hi everyone, we are kicking off the New Year with a masterclass in advising in critical illness cover. Alan Knowles from Cura Financial Services is joining us to take us through some case studies of arranging critical illness cover for people with disclosures that can lead to exclusions and premium increases on critical illness cover. The key takeaways: A case study of arranging critical illness c...

Hi everyone, we are talking about value added benefits that often come with protection insurance policies. Be it access to remote GPs, second medical opinion services, mental health support or more, these extras can make an insurer really standout as a good place for your clients. In this episode we are looking at how value added benefits work during a policy, at the point of a claim and after. Ar...

Hi everyone, we are talking about what is happening in the mortgage world right now, trying to make sense of things in this ever changing economy in the UK. If like me you are aware of mortgages and know advisers in this space, you might see lots of different messages on social media. Some say things are going to be a disaster, others are saying that what we are seeing is just a blip and it will a...