Hi everyone, we are back after the lovely summer of 2025. One thing I love about the insurance world is how you can never know everything, there is always so much more to understand and consider. I have a few episodes coming up that have been in the background of my mind for a while. I like to make sure that I have seen things from all angles before I bring it to you.

For the first episode of Season 11 I am taking you some things to consider for joint life second death versus single life cover. You might be thinking, hang on what is Kathryn on about, those types of policies are for different things. It is a unique set of circumstances that I am talking through, but still very important to know.

When I was recording this I realised that what I’m covering is really quite technical and I jump about a bit, between different areas. I’m sorry! There was no way to easily avoid it. 

The key takeaways:

• Joint life second death policies with a notional decline, cost the same as a single life policy
• Pros and cons of a single life policy being arranged instead of JLSD
• A case study example of costing for a JLSD policy and JLSD with a notional decline

I’ve also got some exciting news for the podcast, exciting to me anyway. My eldest son Theodore turns 14 soon and is going to start working for me. So all things podcast related including your CPD certificates will soon be done by him.

Next time Alan will be back with me and we will be chatting through arranging protection insurance when you have coeliac disease. There has been some changes when it comes to underwriting that we will be going through.

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors NextGen Planners.