Hi everyone,  it feels great to be getting back into the swing of things with the podcast. The summer break was lovely and essential so that you didn’t hear the screaming banshee noises from my three kids in the background, but it’s nice to be getting back to normal.

In our latest podcast Matt Rann has joined me to talk about organ donations. With Organ donation week we felt that it was a good idea to have a focus upon how giving or receiving an organ donation can influence a protection insurance application. We are talking about technical medical terms that can help you to do your research thoroughly to get your client covered.

The key takeaways:

• It can be tricky to get personal life insurance, critical illness cover or income protection after receiving an organ donation.
• For kidney transplants there are at least 6 key pieces of information that you need, to be able to research the market.
• There is a big difference in underwriting outcomes if a person was a donor or someone that has received a donation. 

 We have quite a good discussion about per mille ratings and how insurers might use this to determine the price of the policy. We also have a chat about how each insurer does these ratings differently, so it becomes quite a barrel of laughs to try and figure out what the potential cost will be.

Next time Sue Clarkson is joining us to talk about SMEs and employee benefits, and how insurance can be a key asset for UK firms.

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 Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my Protection Insurance in Practice course here.