Guides and Industry News

Here you will find a list of useful guides written by our team, alongside our selection of the latest industry news that is relevant to you. Our staff pride themselves on providing you with the most up to date research on the insurance products that we source for you.

Latest Editions

  • By Kathryn Knowles on the 3rd March 2017

    Have you been declined income protection? Income protection has previously been seen as a very strict policy, in that it used to only be available for the fittest of the fit. This meant that people were declined income protection for having... Read More

  • By Kathryn Knowles on the 16th February 2017

    In the past it has not been possible to secure Critical Illness Cover if you had previously had cancer. Insurers were worried about the associated risk of the cancer entering into remission and the impact of medications and treatments on an ind... Read More

  • By Special Risks Bureau on the 10th February 2017

    Earlier this week our Director Kathryn Knowles was commended for her work as a protection adviser in the 2017 Unbiased Media Awards. Kathryn's work not only involves providing protection advice to our clients, but a large degree of our company o... Read More

  • By Kathryn Knowles on the 23rd December 2016

    Insurance that rewards you? Bah! Pish Posh! You must be having a laugh! No, I am not. There are protection insurance policies, that can reward you for living an active and health lifestyle. These policies can be per... Read More

  • By Kathryn Knowles on the 22nd December 2016

    When you have epilepsy the insurer is going to ask some specific questions related to your condition. Common questions include: What type of epilepsy do you have? Grand mal, petit mal, nocturnal? When wer... Read More

  • By Kathryn Knowles on the 21st December 2016

    So this is the not so good side of insurance, when a policy does not pay out when you expect it to. Trust me though, this is not the norm. Quite simply, insurers want to pay out on these insurance policies, they do not ... Read More

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  1. Declined Income Protection

    - Date: 3rd March 2017
    - Categories: Income Protection

  2. Can I get Critical Illness Cover after having Cancer?

    - Date: 16th February 2017
    - Categories: Critical Illness Cover, Health

  3. Kathryn Knowles is Commended as a Protection Adviser in the 2017 Unbiased Media Awards

    - Date: 10th February 2017
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  4. Insurance that Rewards You!

    - Date: 23rd December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  5. Epilepsy and Insurance

    - Date: 22nd December 2016
    - Categories: Health

  6. When Insurance Doesn't Pay Out

    - Date: 21st December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  7. Income Protection Insurance - What Matters Most

    - Date: 20th December 2016
    - Categories: Income Protection

  8. HIV and Insurance

    - Date: 19th December 2016
    - Categories: Health

  9. Strokes, TIAs and Subarachnoid Haemorrhages

    - Date: 18th December 2016
    - Categories: Health

  10. Parkinson's Disease and Insurance

    - Date: 17th December 2016
    - Categories: Health

  11. Critical Illness Cover - Quantity, Quality and Service

    - Date: 16th December 2016
    - Categories: Critical Illness Cover

  12. Digestive Conditions and Insurance

    - Date: 15th December 2016
    - Categories: Health

  13. Travel and Insurance

    - Date: 14th December 2016
    - Categories: Travel

  14. Hazardous Pastimes and Insurance

    - Date: 13th December 2016
    - Categories: Pastimes

  15. Musculoskeletal Conditions and Insurance

    - Date: 12th December 2016
    - Categories: Health

  16. Heart Conditions and Insurance

    - Date: 11th December 2016
    - Categories: Health

  17. Pet Insurance vs You Insurance

    - Date: 10th December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  18. Hazardous Occupations

    - Date: 9th December 2016
    - Categories: Occupations

  19. Could you afford to retire tomorrow? It's a big resounding no from me!

    - Date: 8th December 2016
    - Categories: Income Protection, Accident, Sickness and Unemployment

  20. Mental Health Disorders and Insurance

    - Date: 7th December 2016
    - Categories: Health

  21. Be realistic!

    - Date: 6th December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  22. Cancer Survivors and Insurance

    - Date: 5th December 2016
    - Categories: Life Insurance, Health

  23. BMI and Insurance

    - Date: 4th December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  24. Insurance for Diabetics

    - Date: 3rd December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  25. Insurers will do anything not to pay out, right?

    - Date: 2nd December 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  26. Can you afford to retire tomorrow?

    - Date: 18th November 2016
    - Categories: Income Protection, Occupations

  27. Working at Heights? Avoid the Downfall of Upcoming Changes in the Insurance Market

    - Date: 25th October 2016
    - Categories: Life Insurance, Critical Illness Cover

  28. Cura Financial Services win at the Cover Excellence Awards 2016

    - Date: 12th October 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  29. Income Protection for Workers at Heights

    - Date: 7th October 2016
    - Categories: Income Protection, Occupations

  30. AIG launch their Key3 Critical Illness Cover

    - Date: 15th August 2016
    - Categories: Critical Illness Cover

  31. Critical Illness Quiz

    - Date: 20th July 2016
    - Categories: Critical Illness Cover

  32. Brexit, Unemployment Insurance and Redundancy Insurance

    - Date: 30th June 2016
    - Categories: Accident, Sickness and Unemployment, Occupations

  33. Income Protection Quiz

    - Date: 24th June 2016
    - Categories: Income Protection

  34. Roger Edwards podcast ZOMBIE marketing campaign

    - Date: 16th June 2016
    - Categories: Life Insurance, Occupations

  35. The Special Risks Bureau does Zombies

    - Date: 5th June 2016
    - Categories: Life Insurance, Occupations

  36. Offshore Workers Life Insurance: How Much Will It Cost?

    - Date: 6th May 2016
    - Categories: Life Insurance, Occupations

  37. The Risks of Critical Illness Cover

    - Date: 5th May 2016
    - Categories: Critical Illness Cover

  38. Cura Financial Services Ltd meet Yorkshire Coast Radio - Vitality

    - Date: 18th April 2016
    - Categories: Life Insurance, Health

  39. Family Income Benefit - Infographic

    - Date: 15th April 2016
    - Categories: Income Protection

  40. Applying for Income Protection when you have Crohn's disease

    - Date: 14th April 2016
    - Categories: Income Protection, Health

  41. The Benefits and Risks of Accident, Sickness and Unemployment Cover

    - Date: 13th April 2016
    - Categories: Accident, Sickness and Unemployment

  42. Case Study Client - Mary Archer

    - Date: 8th April 2016
    - Categories: Life Insurance, Critical Illness Cover, Health

  43. Life Insurance - First Time Buyers Guide

    - Date: 7th April 2016
    - Categories: Life Insurance

  44. Why Should I buy Critical Illness Cover?

    - Date: 24th March 2016
    - Categories: Critical Illness Cover

  45. Why Should I buy Life Insurance?

    - Date: 21st March 2016
    - Categories: Life Insurance

  46. Declined Life Insurance - BMI

    - Date: 11th March 2016
    - Categories: Life Insurance, Health

  47. Serious Illness Cover vs Critical Illness Cover

    - Date: 10th March 2016
    - Categories: Critical Illness Cover, Health

  48. Offshore Workers Life Insurance Market Changes

    - Date: 1st March 2016
    - Categories: Life Insurance, Occupations

  49. Cura Financial Services Ltd shortlisted for Financial Excellence Awards

    - Date: 29th February 2016
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  50. Type 2 Diabetics and Life Insurance

    - Date: 16th February 2016
    - Categories: Life Insurance, Health

  51. Is my Life Insurance subject to Inheritance Tax?

    - Date: 29th January 2016
    - Categories: Life Insurance

  52. Diabetics Income Protection

    - Date: 28th January 2016
    - Categories: Income Protection, Health

  53. Cura Financial Services Ltd meet Yorkshire Coast Radio - Parkinson's and Insurance

    - Date: 23rd December 2015
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment, Health

  54. Does Life Insurance Cover Terrorist Attacks

    - Date: 21st December 2015
    - Categories: Life Insurance

  55. Critical Illness Cover - Neurological Conditions

    - Date: 16th December 2015
    - Categories: Critical Illness Cover, Health

  56. Cura Financial Services Ltd meet Yorkshire Coast Radio - Movember Podcast

    - Date: 19th November 2015
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment, Health

  57. HIV Life Insurance - How Much Does It Cost

    - Date: 18th November 2015
    - Categories: Life Insurance, Health

  58. Critical Illness Cover - Cancer

    - Date: 10th November 2015
    - Categories: Critical Illness Cover, Health

  59. Vitality Life Optimiser - Earning Points

    - Date: 6th November 2015
    - Categories: Life Insurance, Health

  60. Offshore Workers Life Insurance - How Much Does It Cost

    - Date: 23rd October 2015
    - Categories: Life Insurance, Occupations

  61. LV= Income Protection - How Tall is a Giraffe?

    - Date: 16th October 2015
    - Categories: Income Protection

  62. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 7 - Organisations

    - Date: 15th October 2015
    - Categories: Occupations, Travel, Health, Pastimes

  63. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 6 - Occupations

    - Date: 9th October 2015
    - Categories: Occupations, Travel, Health, Pastimes

  64. Cura Financial Services Ltd meet Yorkshire Coast Radio - Mental Health Podcast

    - Date: 8th October 2015
    - Categories: Life Insurance, Health

  65. Global Treatment by Friends Life - A Good Addition?

    - Date: 25th September 2015
    - Categories: Life Insurance, Critical Illness Cover

  66. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 5 - Broker Advantage

    - Date: 25th September 2015
    - Categories: Occupations, Travel, Health, Pastimes

  67. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 4 - Difference

    - Date: 18th September 2015
    - Categories: Occupations, Travel, Health, Pastimes

  68. The Offshore Workers Guide to Life Insurance

    - Date: 15th September 2015
    - Categories: Life Insurance, Occupations

  69. Vitality Life Insurance Products - Challenging the Market and Rewarding the Customer

    - Date: 11th September 2015
    - Categories: Life Insurance, Health

  70. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 3 - Medical Conditions

    - Date: 11th September 2015
    - Categories: Occupations, Travel, Health, Pastimes

  71. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 2 - Why Special Risks

    - Date: 4th September 2015
    - Categories: Occupations, Travel, Health, Pastimes

  72. Applying for Life Insurance if you have the BRCA1 and BRCA2 Genes

    - Date: 28th August 2015
    - Categories: Life Insurance, Health

  73. Aviva Update their Critical Illness Contract

    - Date: 21st August 2015
    - Categories: Critical Illness Cover

  74. Life Insurance and E-Cigarettes - Am I a Smoker or Not?

    - Date: 19th August 2015
    - Categories: Life Insurance, Health

  75. Cura Financial Services Ltd meet Yorkshire Coast Radio - Series 1, Episode 1 - Background

    - Date: 17th August 2015
    - Categories: Occupations, Travel, Health, Pastimes

  76. The Budget 2015: How this affects your insurance policies

    - Date: 7th August 2015
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  77. Legal & General Launch Second Medical Opinion Services

    - Date: 7th August 2015
    - Categories: Life Insurance, Critical Illness Cover, Income Protection

  78. Market extends possible term on HIV Life Insurance to 25 years

    - Date: 20th May 2015
    - Categories: Life Insurance, Health

  79. Armed Forces Personnel and Humanitarian Aid

    - Date: 16th March 2015
    - Categories: Occupations

  80. The Strangest Football Injuries In The World

    - Date: 26th February 2015
    - Categories: Occupations

  81. Aviva Update their Free Parent Life Cover

    - Date: 18th February 2015
    - Categories: Life Insurance

  82. Indoor Cycling - Interview with the National Cycling Centre

    - Date: 3rd December 2014
    - Categories: Pastimes

  83. Indoor Caving: Interview with XC Climbing Centre

    - Date: 24th November 2014
    - Categories: Pastimes

  84. Abseiling For Beginners: Interview with Dart Rock Centre

    - Date: 20th November 2014
    - Categories: Pastimes

  85. Life Insurance for People Working at Heights

    - Date: 14th November 2014
    - Categories: Life Insurance, Occupations

  86. Legal & General Free Life Insurance for New Parents

    - Date: 10th November 2014
    - Categories: Life Insurance, Health

  87. Indoor Skiing & Snowboarding - Interview with The Snow Centre

    - Date: 31st October 2014
    - Categories: Pastimes

  88. Life Insurance for New Parents

    - Date: 10th October 2014
    - Categories: Life Insurance

  89. Indoor Skydiving - Non-Extreme Sport or Preparation?

    - Date: 6th October 2014
    - Categories: Pastimes

  90. Protect my Parents - Life Insurance for my Mother and Father

    - Date: 1st October 2014
    - Categories: Life Insurance

  91. Income Protection for Teachers

    - Date: 23rd September 2014
    - Categories: Income Protection, Occupations

  92. Declined Life Insurance

    - Date: 18th August 2014
    - Categories: Life Insurance

  93. Legal & General Payouts in 2013

    - Date: 8th August 2014
    - Categories: Life Insurance, Critical Illness Cover, Income Protection

  94. Aviva Update their Income Protection Cover

    - Date: 7th August 2014
    - Categories: Income Protection

  95. Legal & General Update their Income Protection Contract

    - Date: 16th July 2014
    - Categories: Income Protection

  96. Liverpool Victoria Launch their Personal Sick Pay Scheme

    - Date: 10th July 2014
    - Categories: Income Protection

  97. Life Insurance: A Guide to Key Life Insurance Providers

    - Date: 20th June 2014
    - Categories: Life Insurance

  98. Life Insurance Types

    - Date: 13th June 2014
    - Categories: Life Insurance

  99. Life Insurance: Foreign Travel

    - Date: 6th June 2014
    - Categories: Life Insurance, Travel

  100. Life Insurance: How it Works

    - Date: 4th June 2014
    - Categories: Life Insurance

  101. Life Insurance Explained

    - Date: 29th May 2014
    - Categories: Life Insurance

  102. Aviva improve their Critical Illness Contract

    - Date: 28th May 2014
    - Categories: Critical Illness Cover

  103. Children's Funeral Cover

    - Date: 23rd May 2014
    - Categories: Critical Illness Cover

  104. Liverpool Victoria improve their Critical Illness and Income Protection Cover

    - Date: 21st May 2014
    - Categories: Critical Illness Cover, Income Protection

  105. Income Protection: The Three Strikes Rule

    - Date: 16th May 2014
    - Categories: Income Protection

  106. Critical Illness Cover - Potential Exclusions

    - Date: 9th May 2014
    - Categories: Critical Illness Cover

  107. Life Insurance for Young Adults

    - Date: 8th May 2014
    - Categories: Life Insurance

  108. Cura Financial Services Ltd win the Quality Protection Firm Award 2014

    - Date: 6th May 2014
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  109. Critical Illness Cover - Explained

    - Date: 30th April 2014
    - Categories: Critical Illness Cover

  110. Life Insurance for Disabled People

    - Date: 25th April 2014
    - Categories: Life Insurance, Health

  111. Relevant Life Policy: Tax Efficient Insurance for Company Directors

    - Date: 22nd April 2014
    - Categories: Life Insurance, Occupations

  112. Partial Payments - Are They Worth It?

    - Date: 15th April 2014
    - Categories: Critical Illness Cover

  113. Vaping? Life Insurance for E-Cigarette Users

    - Date: 9th April 2014
    - Categories: Life Insurance, Health

  114. Critical Illness Cover vs Income Protection Insurance

    - Date: 3rd April 2014
    - Categories: Critical Illness Cover, Income Protection

  115. PruProtect Life and Serious Illness Cover for Armed Forces Personnel

    - Date: 27th March 2014
    - Categories: Life Insurance, Occupations

  116. LV= Spruce up their Income Protection for NHS Doctors and Surgeons

    - Date: 24th March 2014
    - Categories: Income Protection, Occupations

  117. Critical Illness Cover Payouts for Breast Cancer

    - Date: 21st March 2014
    - Categories: Critical Illness Cover, Health

  118. Life Insurance with Multiple Sclerosis

    - Date: 19th March 2014
    - Categories: Life Insurance, Health

  119. Life Insurance for Motorcycle Riders

    - Date: 26th February 2014
    - Categories: Life Insurance, Occupations, Pastimes

  120. Income Protection for the Self-Employed

    - Date: 20th February 2014
    - Categories: Income Protection, Occupations

  121. We combined the world's most valuable body parts

    - Date: 11th February 2014
    - Categories: Occupations

  122. Life Insurance for High Net Worth Individuals

    - Date: 31st January 2014
    - Categories: Life Insurance, Occupations

  123. Life Insurance for People with Multiple Illnesses

    - Date: 22nd January 2014
    - Categories: Life Insurance, Health

  124. Life Insurance During Pregnancy

    - Date: 17th January 2014
    - Categories: Life Insurance, Health

  125. Overweight Life Insurance

    - Date: 10th December 2013
    - Categories: Life Insurance, Health

  126. Armed Forces Life Insurance

    - Date: 6th December 2013
    - Categories: Life Insurance, Occupations

  127. Income Protection for Company Directors

    - Date: 27th November 2013
    - Categories: Income Protection, Occupations

  128. Income Protection for Doctors

    - Date: 26th November 2013
    - Categories: Income Protection, Occupations

  129. Accident and Sickness Cover for the Self-Employed

    - Date: 24th November 2013
    - Categories: Accident, Sickness and Unemployment, Occupations

  130. Life Insurance for Offshore Workers

    - Date: 6th November 2013
    - Categories: Life Insurance, Occupations

  131. Life Insurance for Smokers

    - Date: 29th October 2013
    - Categories: Life Insurance, Health

  132. Life Insurance for Cancer Survivors

    - Date: 9th October 2013
    - Categories: Life Insurance, Health

  133. Critical Illness Cover for Diabetics with Zurich

    - Date: 24th June 2013
    - Categories: Critical Illness Cover, Health

  134. Critical Illness Cover for Diabetics with Friends Life

    - Date: 15th March 2013
    - Categories: Critical Illness Cover, Health

  135. Does Critical Illness Pay out for Diabetes?

    - Date: 15th March 2013
    - Categories: Critical Illness Cover, Health

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