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Medical science can spot a health issue so quickly that there seems to be hardly a healthy human left.

So don't be surprised if your insurer requests a medical report from your GP.

Here's why they need a PMAR...and how you can avoid them.

Income protection is the Daddy of all protection products.

If you don't have it through work, you're a lunatic if you don't buy your own policy.

Seriously, think about what would happen if your income stopped long term.

Stick a few quid away on income protection and breathe easy knowing you're covered.

Look at you all grown up and surfing the interweb about mortgages and the like.

Doesn’t time fly.

So you’ve finally copped on and decided to buy a house.?

You've come to the right place for the insurance stuff.

Let me explain...

You finally did it - life insurance sorted.

You head out for lunch, feeling like an official grown up, having done the right thing and applied for life insurance online...and you did it on company time 👊

You take your phone out of your pocket to call your partner with the good news (they've been at you for ages to get the life insurance sorted)

No reply.

You look down at your phone to redial, stumble onto the road and...

Has your reviewable whole of life insurance policy (or that of a relative) been reviewed recently or is it up for review soon?

Not happy with the options you received?

Well, you’ve come to the right place.

You’re worried the insurer will pocket your premiums and then reject your critical illness claim.

Don’t be.

Life insurance providers will decline spurious claims, but if you have a genuine one, they will pay out.

There are two main reasons an insurer will reject a critical illness claim

Three cheers if you're "living in sin"

You didn't bow to the pressure of paying north of twenty grand so your friends get drunk, your best mate gets to tell some dodgy stories and you get....well you get the bill.

But did you know that a wedding can actually save you money in the long run especially if you're buying a house together?

If your last smear was abnormal, most insurers will not be in a position to offer you cover until you have had a normal smear.

But we deal with some insurers who can offer you cover now.

And we'll be able to get you the normal price.

It’s the dream that’s been drilled into your head since you were a kid. Grow up. Go to college. Graduate with a good degree so you can get a job and, eventually, a house of your own. (Probably after moving home with your folks and living on ham sandwiches so you can save the deposit.) Don’t stop believin’.

Or, to quote the iconic opening of Renton’s monologue in Trainspotting: “Choose life. Choose a job. Choose a career. Choose a family.”

I knew a fella who got a serious illness and the insurer wouldn't pay out.

Ah here, you've to be half dead before it'll pay out.

It's all a scam, I tells ya, A SCAM!! I'm calling Joe...

You might be thinking along these lines too.

And I don't blame you, serious illness cover gets a rough ride as you only ever hear about declined claims

But stay with me and I'll explain how it works.

Who knows, your view might change.