Where am I? 
Home risk clinic
risk clinic
My 45-year-old client was made redundant due to the recession, but has recently started a new yet much lower-paid job. With his income protection (IP) policy covering his last wage level, he is now over-insured and would not be able to claim his full benefit sum. He has affordability problems with life and critical illness (CI) and we will probably have to downgrade him. What should I consider?
I do few PMI sales and want to cover my back with a business client. They are a wealthy couple in their 50s and both have had heart attacks. Obviously their PMI cost is high but they are looking at moratorium underwriting to alleviate this. Am I right to be concerned, even though I’ve explained it to them?
My client has been reading about severity based payments for critical illness (CI) policies. I believe there is merit in polices that don’t do this. In sales terms, what is the opposite side of the argument I can put to him?
Other risk clinic articles
My client is just starting out in freelance consultancy after being made redundant. He is a single parent with a 14-year-old daughter and previously had all major protections and private medical insurance (PMI) through work. I will cover him for the usual needs, but are there any wrinkles I should be aware of?
During a recent visit to a small company, my client was complaining about the length and frequency of her staff absence. Having no experience in this before, where would my start point be in introducing an absence management and return to work policy
I have a client making a claim on a critical illness (CI) policy. The provider is suggesting they take a lump sum payment rather than the family income benefit (FIB) they originally bought. I realise there are various arguments for each side, but what would be the one that swings it toward FIB?
My client is a 48-year-old successful businessman with a wife and two children. He was a cocaine addict but has been through rehab three times and is currently clean. He also smokes. Having no protection at the moment, he is aware of the need to look after his wife and children. What are his options?
I advise on PMI schemes for small groups. With many members in their 60s, what do I need to consider as they approach retirement?
Several clients have come to me with queries about existing mortgage payment protection insurance (MPPI) and PPI policies. I don’t have the time to read all the policy documentation, but given the current situation in the PPI market for Treating Customers Fairly (TCF) and compliance reasons, should I look into re-broking them into standard products?
I treat life and critical illness as fairly commoditised products for perfectly healthy people aged under 35. Can I do more to help them in this area?
I have a client who has many health problems, but recognises the significant need for protection. Due to his Crohn’s disease, type 1 diabetes and heart condition, I have found it impossible to get cover from any of the major providers. Cost is not an issue, but what other options do I have?
My client has an individual IP policy, but his employer is offering group IP cheaper for the same level of cover, plus an employee assistance programme (EAP). It is unlikely he will work for the same employer for life and this policy has a continuation of cover option. Should he take out a small level of cover on the group scheme alongside his individual one to access the EAP, transfer all his cover to the cheaper group scheme, or is he better off maintaining his individual policy alone?
A client who owns a four-man window fitting company has asked me to organise business protection for him. This is not an area I’m familiar with, so as a complete beginner how do I go about evaluating the amount I should be protecting him for?
Previous Next 
Most read articles
Most commented articles
Ifaonlinejobs will open the right investment career path for you. Search hundreds of vacancies on www.ifaonlinejobs.co.uk now
Viewpoints
2012 marks a watershed for the Life companies, fund managers, banks and advisers who service...
In Focus
Two months left before the ‘real RDR deadline’ – are you compliant with the required professional...
Latest jobs
100k Plus: The Henley Group: If you are looking to work in a rapidly expanding, fast paced economy that only Asia can currently offer and are highly driven and self motivated with a successful track record in financial sales, The Henley Group would like to talk to you. HONG KONG, SHANGAHI, SINGAPORE
Coffee Lounge
Not only is there a huge selection of games but why not try your hand at our Daily Sudoku
sponsored by
FSA warns firms about 'falling out of permissions' over rebalancing
TMP founder Morris takes to stand in GP Noble trial
Banks keep close eye on expat market
FSA tells paraplanners to challenge IFAs on suitability letters
This week's news... condensed