Hi everyone, I am back with the final episode of season 9 and we have some changes coming up with the podcast. We are saying a very big thank you and farewell to Matt Rann who has brought our underwriting insights for the last 6 seasons. Don’t worry, we will still be continuing with underwriting insights to help you better understand your client’s circumstances and the protection insurance options that they might have.

The last episode of season 9 is all about group critical illness cover. We have recently covered group life insurance and group income protection, and whilst they are all quite similar, group critical illness cover has a couple of big differences.

The key takeaways:

• Group critical illness cover is paid for by a company but the premiums are treated as a benefit-in-kind for the people covered
• People who cannot personally get critical illness cover can be covered by group critical illness cover, but there will be exclusions for pre-existing conditions
• A case study of group critical illness cover

I will be back in 2025 with season 10 as we enter our 5th year of providing the protection insurance training for you.

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.

Hi everyone, we have Matt Rann back with us and we are talking about hepatitis and protection insurance. Hepatitis affects the liver and this can lead to some difficulty in arranging protection insurance, especially critical illness cover and income protection.

The key takeaways:

• There are a lot of types of hepatitis: A, B, C, D, E, alcoholic and autoimmune
• Hepatitis is inflammation of the liver and affects hundreds of thousands of people in the UK each year
• Two case studies of arranging protection insurance for people that have experienced hepatitis

I will be back next time with a short episode going through key parts of group critical illness cover and the do’s and don’ts of advising on this type of cover.

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.

Hi everyone, I am back with an episode on group income protection to talk through this brilliant product and how it can help companies and employees alike. Group income protection can cover income, national insurance contributions, pensions and provide access to medical professionals really early on if you are ill. In fact there are times where these service work so well that people completely recover and are back to work before the deferred period is over.

The key takeaways:

• How free cover level limits work for group income protection 
• The definition of a group income protection claim can potentially change over time
• A case study of group income protection for a firm with 15 employees

I will be back next time with Matt Rann and we will be talking about hepatits and protection 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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, we have Matt Rann back with us and we are talking about fibromyalgia and how this is considered in protection insurance. We are going through how fibromyalgia affects the body and mind of a person, there are a lot of symptoms and everyone is affected by the condition in a different way.  

The key takeaways:

• Approximately 1 in 20 people are affected by fibromyalgia
• Key details about fibromyalgia that you need to know to complete your presales research
• Two case studies of arranging protection insurance for people living with fibromyalgia

I will be back next time with a short episode going through key parts of group income protection and the do’s and don’ts of advising on this type of cover.

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, I am back with an episode on group life insurance to talk through the key things to know when you are advising on this product. Group life insurance is very technical and it’s not possible to cover everything in this episode, but you will get a better understanding of what to watch out for as an adviser.

The key takeaways:

• You can insure everyone or specific groups with group life insurance, you do not need to insure all employees but you must be mindful of anti-selection
• The differences of registered and excepted group life insurance
• A case study of group life insurance for a firm with 79 employees

I will be back next time with Matt Rann and we will be talking about fibromyalgia and protection 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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, we have Matt Rann back with us and we are talking about thyroid disorders and protection insurance. I had postpartum thyroiditis after having my third child, which was not a fun thing to experience, and I can say quite confidently that you can feel pretty shocking if your thyroid is misbehaving.

The key takeaways:

• 1 in 20 people have a thyroid condition and we’re talking through the more common ones
• Key details about thyroid conditions that you need to know to complete your presales research
• Two case studies of arranging protection insurance for people living with thyroid conditions

I will be back next time with a short episode going through key parts of group life insurance and the do’s and don’ts of advising on this type of cover.

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, I’m back with a short episode on how you can use life insurance to protect against the tax made on gifts. A lot of people think of gift planning as something that millionaires do and whilst that can be the case, many people are making gifts all the time without realising it.

Giving a financial gift is a lovely thing to do, but without the right protection in place the person who receives the gift could face a rather unexpected surprise of a tax charge. The tax on gifts is for 7 years from the date of the gift if the person making the gift dies during this time, and there are some quick and effective ways of setting up life insurance to help with any tax that might be due. 

The key takeaways:

• The potential tax on a gift is 40% of the full gift amount and this tapers over the next 7 years 
• Your choice of Trust will be a key part in protecting the gift beneficiary
• A case study of building a gift planning solution with 5 separate term policies

I will be back after the summer with Matt Rann who will be joining me to talk about all things protection insurance and thyroid disorders.

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, I have Cillian Tierney with me on the podcast to talk about the way that insurers in the EU are responding to the Right to be Forgotten. This legislation require insurers to give consumers the right to not disclose that they have had cancer when they apply for some protection insurances. The rules are different across countries and some might choose to say that you don’t need to tell the insurer that you’ve had cancer after 2 years, 5 years or more. It might be applied to all protection products or just certain ones.

Cillian is the Global Head of Medical Underwriting Propositions and Products at PartnerRe and is sharing his knowledge of how RTBF has developed in the Irish insurance market. This is potentially quite an emotional topic and we are clear from the start that we are talking about this situation from a technical basis, that might not be easy for some people to hear. 

The key takeaways:

• The Right to be Forgotten is not currently legislated in the UK.
• How insurers determine the ways to assess insurance applications for people that have been diagnosed with cancer.
• Three case studies that show where the RTBF would and wouldn’t improve terms for someone that has experienced cancer.

Opinions expressed are solely those of the author. This podcast is for general information, education and discussion purposes only. It does not constitute legal or professional advice and does not necessarily reflect, in whole or in part, any corporate position, opinion or view of PartnerRe or its affiliates.

Next time I will be back and focusing upon protection insurance planning when you have made a gift within the UK. There are very specific do’s and don’ts and the Trusts are really key!

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, I am back with a short episode focused upon how you can protect against IHT with life insurance. Huge disclaimer from the start I am not a full financial adviser and there are lots of ways to do estate planning, I am just giving insight into how life insurance can work.

The key takeaways:

• With a joint life second death policy one of your clients might be declinable, BUT, they can still be covered by the insurance.
• Two case studies to show the price difference for joint life second death whole of life, depending upon age.
• Cautionary tale about HMRC and terminal illness benefits.

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Hi everyone, I am talking about a very emotive topic today after being approached on social media as to how insurers view assisted dying. With recent debates on passing assisted dying laws in the Scottish and Isle of Man governments, it is something that is likely to be discussed by UK insurers at some stage.

I have been very clear not to provide an opinion about whether assisted dying should and shouldn’t be allowed, instead focusing on the facts of how the majority of life insurance policies in the UK would behave if a claim was made following someone choosing to die due to their health. At the end of the episode I include some details of support services that you can reach out to, if you have found the discussion difficult to listen to.

The key takeaways:

• The majority of insurers in the UK offer life insurance with an initial 12 month suicide exclusion 
• In Canada where assisted dying is possible, the insurers do not consider death through these means to be suicide
• In countries where assisted dying is allowed physical and mental health conditions ca be viewed differently

Next time I will be back and focusing upon protection insurance planning when you have an IHT liability. There’s some specific do’s and dont’s that can make huge differences to how life insurance claims pay out.

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 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.