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What is Multi Claim Protection Cover (and how does it work)?

You know how in Batman – the cartoon, film, or comic, you choose – the big lad himself will go toe-to-toe with a villain. Then he’ll reach into his trustee utility belt to get whatever tool he needs to save the day?

Well, the tools come in 10 pouches (I Googled this, dear internet, for I am not a nerd who automatically knows such things) and include his Batarang, napalm (as ya do), a tranq gun and smoke pellets.

Multi-claim Protection Insurance – a new type of cover from Royal London – is a bit like the Bat-belt of insurance. Mind, I wouldn’t try and use it to fight crime as throwing a policy document at The Joker won’t accomplish much.
September 18 2019 6 min read Specified Illness Cover

What’s the Difference between Additional and Accelerated Serious Illness Cover?

Remember being 14 or 15 in maths class in school? Your teacher, probably a bit of a gowl, would spend ages explaining the complicated maths on the board and then he’d ask you if you understood. You probably didn’t, but you said ‘yes’ anyway because you didn’t want to look like an eejit.

Next thing you know, Mr McGowl has asked you to come up to the board to solve an equation for ‘x’. You couldn’t find that ‘x’ if it was inscribed onto your forehead.

And all you can do is go up there and write some crap on the board while Mc Gowl tuts away.

The insurers quite often play this game when they name and explain things. Even with the best of intentions (I’ll let you consider how true that might be), they have a way of explaining things so that you can’t actually figure it out.
September 11 2019 4 min read Specified Illness Cover

What is Reviewable Income Protection?

You ever see a TV show or movie where a desperate character takes a loan from a shady one but when they go to make a payment the interest is so high that all of a sudden there’s no hope of them ever paying it back?

And then it cuts to the next scene and there’s a large gangster dude standing on their doorstep threatening to break their legs.

Okay, so I may be exaggerating a bit here but that’s kind of what Reviewable Income Protection is like.
September 4 2019 5 min read Blog Income Protection

How to Assign a Mortgage Life Insurance Policy

If you’re on this here blog, I can assume a couple of things:

you’ve bought or are buying a house and
you’ve either bought or are buying Mortgage Protection or Life Insurance because you have to.

I can also probably assume you’re a responsible adult – or at the very least, you’re very good at pretending, which as we all know: all the best people are.

Now, there is one thing you need to know. This one thing is either coming to you too late or just in the nick of time, depending on whether or not you now own a house.

The banks are great for mortgages, but they’re a rip off when it comes to Mortgage Protection...

Mortgage Protection Cohabiting Couples

Cohabiting couple.

It’s surely the unsexiest way of referring to living with your other half. Second possibly only to ‘living in sin’ – but even that has a certain ring to it, doesn’t it?

And sure, you might be perfectly happy in your unwedded bliss – but you do need to consider certain ramifications when it comes to tax.
August 21 2019 4 min read Mortgage Protection

Life Insurance in Your 30s | Let’s Do This!

You know you’re starting to get on a bit when you turn on the radio to chart music (do the kids even call it ‘chart music’?) and you don’t recognise any of the songs or the singers.

What even is a Billie Eilish?

Here’s the thing: the brain stops developing at around 25, which is when the panic starts, as you're meant to be fully mature.

But the panic reallllly beds in when you’re hitting 30. Something about it seems irreversibly grown up.

You’re not quite sure when it happened, but it has.

You’re in your thirties and you’re reading a blog about Life Insurance.
August 14 2019 5 min read Life Insurance

Planning a Family or Settling Down?

Having a baby is just about the most adult thing you do.

It’s also wildly rewarding, even if it doesn’t feel like it when they’ve thrown their dinner on the floor (just after you mopped it) or they’ve somehow managed to paint their entire body in a strange concoction of food things (just after you bathed them).

Never estimate the amount of damage a small child can do in five minutes.

They’re also expensive...
August 7 2019 5 min read Life Insurance

Sick Leave & Sick Pay

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?
July 31 2019 5 min read Income Protection

Income Protection for Contractors

No doubt, as an independent contractor you’ve experienced it all.

The hopes.
The dreams.

The days where it’s gone spectacularly well and the ones where you consider packing it all in to permanently push pens.

It’s a rollercoaster. But what happens if you get sick? And I’m not talking a dodgy belly or a sore head after a long weekend...
July 24 2019 5 min read Income Protection

Getting Mortgage Protection or Life Insurance if you’re HIV Positive

Earlier this year, news broke that a patient in London was cured of HIV, following a bone marrow transport.

It comes more than a decade after Timothy Brown, the “Berlin patient”, made history as the first person to be ‘cured’ of the disease.

Both cases have been widely celebrated as they represent great hope for the 37 million people living with HIV around the world.

For decades, the virus was a ruthless killer, savaging entire communities.

Thankfully, we’ve come a long way since, both in terms of treatment and response.

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