Hi everyone, we have Matt Rann back this week and we are talking about alcohol. With the run up to Christmas a bit of extra tipple is often on the cards, and whilst it takes quite a few units before insurers start to wonder about your liver, it can be quite easy to have a bit more than we expect at this time of year.

This podcast is definitely not about telling you how much you should drink or advocating that you go teetotal. I didn’t drink for about 8 years with having my kids and breastfeeding, and I actually quite enjoyed it, but I did miss having a gin every now and then. In this episode we are focusing upon the questions that you need to be aware of when applying for protection insurance.

The key takeaways:

• Most insurers tend to be ok with up to 30 units of alcohol per week.
• Don’t assume that if your client says that they only drink on special occasions, that they have never been told to reduce their alcohol consumption. It can make a big difference to what is on offer.
• A case study of arranging protection insurance for someone that was previously hospitalised for alcohol dependency.

Next time I have Roy McLoughlin with me and we are joined by Peter Hamilton, to talk about his work in improving access to insurance.

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.