Hi, everybody, instead of doing a health deep dive, Alan had the great idea of doing an episode on being imaginative with client recommendations. There are lots of ways to build protection recommendations, a lot of the time it’s straightforward, but sometimes getting creative is necessary. I would like to make sure I’m clear that being creative must still be compliance approved!

In this episode I am giving you insights into the following areas and some examples of the insurances that are set up this way.

The key takeaways:

• Decreasing term insurance vs family income benefit
• Ways to address delays with GPs and medicals
• Splitting critical illness across multiple providers
• Joint Life Second Death vs Single Life policies
• Life of another cover for non-UK residents
• Layering income protection policies
• Insurance solutions for gift planning

Alan will be back with me next time for a deep dive into a medical condition and how it’s underwritten for protection insurance. We are always happy to take your suggestions on what to cover so please feel free to fire over any areas that you would like us to go into.

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 PlannerX.