Protection Guru

Protection Guru exists to help advisers better understand the technical detail they need to know, and to help them write more protection business. We produce daily insights and analysis to help advisers understand the information they need to know rather than what insurers would like them to know (we do that too, but the former is more important). Firms are now required to focus on value for consumers not just price. Additionally, we produce a range of information services on our website together with powerful tools that can help advisers give value lead advice in minutes and also, in the vast majority of cases, get a plan underwritten and live that day. Each of the new weekly training sessions will focus on a different area of protection advice and how best to factor in the additional requirements of consumer duty. Advisers can register for these new training sessions here: 👇🏼 https://lnkd.in/eRAD7M-2 Joanne Legg Adam Higgs Dee Adam Ian McKenna Jason Green

Join us on 13th March at 12pm to discuss 'Using Cashflow Planning to Highlight Protection Needs' 📈 We will be joined by Colin Baxter, Matthew Chapman and John Whitehead FISM to: 💡Understand why every financial plan can potentially fail if income is not protected.  💡Explore how cash flow planning can be used to clearly identify the impact of a loss of income or bereavement.  💡Recognise how cashflow planning can be used to define the necessary cover and sums assured needed. Register for the FREE session here: https://lnkd.in/esDbcEXN Ian McKenna #Protection #FinancialProtection #CashflowPlanning

Zurich UK has revamped its Income Protection to offer even more support and flexibility for clients! 🚀 Key updates include: ✅ Maximum & Minimum Benefit Guarantees for income stability ✅ Return to Work Package to ease financial strain when transitioning back to work ✅ NHS-friendly enhancements tailored for medical professionals ✅ Sabbatical Cover, Waiver of Premium, and more for added peace of mind Find out more about these enhancements 👇 🔗 https://lnkd.in/eh-nb9rw #IncomeProtection #Zurich #FinancialSecurity Ian McKenna Zurich Insurance

March is Ovarian Cancer Awareness Month, a time to raise awareness of a disease that is often diagnosed late and can have a significant impact on individuals and their families. In our latest Protection Guru article, we examine how ovarian cancer is covered in critical illness plans, looking at the variations in coverage across different providers. This deep dive can help advisers better understand the nuances of policies and ensure clients receive the right level of protection. 🩵 Which policies cover all ovarian cancer diagnoses? 🩵 What staging criteria do insurers use? 🩵 Are partial payments available for earlier-stage diagnoses? By staying informed, we can help clients secure the financial support they may need if they ever face this devastating diagnosis. 📖 Read the full article here: https://lnkd.in/erntW7Xq #OvarianCancerAwareness #CriticalIllnessCover #FinancialProtection #IncomeProtection #InsuranceAdvisers Jason Coleman

🎗️ Should Cancer Survivors Have the ‘Right to Be Forgotten’ by UK Insurers? For many cancer survivors, securing affordable insurance remains a challenge—even years after recovery. But should a past diagnosis continue to impact access to protection policies indefinitely? Our latest Protection Guru article from Amanda Newman Smith explores: 🔹 How cancer history affects insurance underwriting 🔹 International approaches to the ‘Right to Be Forgotten’ 🔹 What this could mean for UK insurers, advisers, and clients Is it time for change? Join the conversation and read more here 👇 🔗 Read now: https://lnkd.in/eqwrQV_Y #Insurance #CancerSurvivors #RightToBeForgotten #FinancialAdvisers #ProtectionInsurance

🚬 E-cigarettes & Insurance – Time for a New Perspective? Next Wednesday, the 12th of March sees the return of No Smoking Day 2025... The way insurers assess smoking status has remained largely unchanged for years—but with the rise of vaping, is it time for a rethink? 🤔 Many insurers still classify vapers the same as traditional smokers, despite growing evidence suggesting different health risks. This can mean higher premiums for those who have switched to e-cigarettes, even if they no longer use tobacco. Our latest Protection Guru article explores: 🔹 How insurers currently assess vaping vs. smoking 🔹 Whether risk factors should be reconsidered 🔹 What this means for advisers and clients Could a new approach better reflect the realities of smoking alternatives? Join the discussion and check out the full article here 👇 https://lnkd.in/e-WaQinw #Insurance #FinancialAdvisers #Vaping #Underwriting #ProtectionInsurance Jason Coleman

Are you losing clients by ignoring social media? 🚨 Financial advisers, if you’re not leveraging social media, you could be missing out on valuable client connections and new business opportunities. In today’s digital world, people turn to social platforms for financial insights, trust-building, and engagement... Our latest Protection Guru article from Setul Mehta explores: 🌟 Why social media matters for advisers 🌟 How to use it effectively to attract and retain clients 🌟 Practical tips to enhance your online presence Don’t let outdated strategies hold you back! Read more here 👉 https://lnkd.in/ehH-zYCi How are you using social media to grow your business? Let’s discuss in the comments! 💬👇 #FinancialAdvisers #SocialMediaMarketing #ClientEngagement #DigitalMarketing #FinancialAdvice #BusinessGrowth #ProtectionGuru #MarketingTips

Are your clients' protection plans still meeting their needs? 🔍 Life changes—so should protection plans. Regular reviews are essential to ensure clients have the right cover as their circumstances evolve. Our latest article from Gary Waters explores: ✅ Why regular protection plan reviews are vital ✅ Key life events that could impact cover needs ✅ How advisers can strengthen client relationships through proactive reviews By staying on top of client reviews, advisers can help ensure their clients have the right cover at the right time 🕰️ 🔗 Read the full article here: https://lnkd.in/dmVqSB3U #FinancialAdvice #ProtectionPlans #ClientCare #InsuranceReviews #ProtectionGuru #FinancialPlanning

💙 The 13th of March is World Kidney Day – but how well does critical illness cover support those affected by kidney disease? Chronic kidney disease affects millions worldwide, yet many people are unaware of how insurance policies handle diagnoses, treatments, and transplants. Our latest insight explores: 🔹 How critical illness plans cover kidney disease 🔹 Key differences between insurers in their definitions and payouts 🔹 What advisers need to know to help clients secure the right protection Understanding policy nuances is crucial in ensuring clients get the support they need when it matters most. 🔗 Read the full article here: https://lnkd.in/eZPQThQn #WorldKidneyDay #KidneyHealth #CriticalIllnessCover #FinancialAdvice #Insurance #ProtectionGuru #IncomeProtection #HealthMatters Jason Coleman

March is Endometriosis Awareness Month 🌸 – But how does it impact insurance? Endometriosis affects 1 in 10 women in the UK, yet its impact on insurance is often misunderstood. From income protection to critical illness cover, those with endometriosis can face challenges in securing the right policy. Our latest insight explores: ✔️ How insurers assess endometriosis in applications ✔️ The potential impact on premiums and underwriting decisions ✔️ What advisers need to know to better support clients It’s crucial that those with endometriosis aren’t discouraged from seeking cover. Understanding insurer approaches can help clients find fair and suitable protection for their needs. 🔗 Read the full article here: https://lnkd.in/eqXiaDjC Let’s continue raising awareness and ensuring better access to protection for all 💛 #EndometriosisAwareness #Insurance #IncomeProtection #FinancialAdvice #WomensHealth #ProtectionGuru Jason Coleman