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 4th April 2017

    I had a lovely conversation with someone the other day who informed me that I needed to review my insurance. They insinuated that they knew I had insurance, that they knew what I had and that it was in relation to my mortgage. The conversati... Read More

  • By Kathryn Knowles on the 30th March 2017

    An impaired life in the insurance industry is someone who is considered to be outside of 'normal health'. It is a horrible term and we hate it. Just because you have a medical condition does not mean that you are in anyway impaired. You can l... Read More

  • 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

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  1. Insurance Scammers - Top 5 Tips

    - Date: 4th April 2017
    - Categories: Life Insurance, Critical Illness Cover, Income Protection, Accident, Sickness and Unemployment

  2. Impaired Life Insurance

    - Date: 30th March 2017
    - Categories: Life Insurance

  3. Declined Income Protection

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

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

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

  5. 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

  6. Insurance that Rewards You!

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

  7. Epilepsy and Insurance

    - Date: 22nd December 2016
    - Categories: Health

  8. When Insurance Doesn't Pay Out

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

  9. Income Protection Insurance - What Matters Most

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

  10. HIV and Insurance

    - Date: 19th December 2016
    - Categories: Health

  11. Strokes, TIAs and Subarachnoid Haemorrhages

    - Date: 18th December 2016
    - Categories: Health

  12. Parkinson's Disease and Insurance

    - Date: 17th December 2016
    - Categories: Health

  13. Critical Illness Cover - Quantity, Quality and Service

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

  14. Digestive Conditions and Insurance

    - Date: 15th December 2016
    - Categories: Health

  15. Travel and Insurance

    - Date: 14th December 2016
    - Categories: Travel

  16. Hazardous Pastimes and Insurance

    - Date: 13th December 2016
    - Categories: Pastimes

  17. Musculoskeletal Conditions and Insurance

    - Date: 12th December 2016
    - Categories: Health

  18. Heart Conditions and Insurance

    - Date: 11th December 2016
    - Categories: Health

  19. Pet Insurance vs You Insurance

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

  20. Hazardous Occupations

    - Date: 9th December 2016
    - Categories: Occupations

  21. 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

  22. Mental Health Disorders and Insurance

    - Date: 7th December 2016
    - Categories: Health

  23. Be realistic!

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

  24. Cancer Survivors and Insurance

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

  25. BMI and Insurance

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

  26. Insurance for Diabetics

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

  27. 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

  28. Can you afford to retire tomorrow?

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

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

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

  30. 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

  31. Income Protection for Workers at Heights

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

  32. AIG launch their Key3 Critical Illness Cover

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

  33. Critical Illness Quiz

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

  34. Brexit, Unemployment Insurance and Redundancy Insurance

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

  35. Income Protection Quiz

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

  36. Roger Edwards podcast ZOMBIE marketing campaign

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

  37. The Special Risks Bureau does Zombies

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

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

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

  39. The Risks of Critical Illness Cover

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

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

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

  41. Family Income Benefit - Infographic

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

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

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

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

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

  44. Case Study Client - Mary Archer

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

  45. Life Insurance - First Time Buyers Guide

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

  46. Why Should I buy Critical Illness Cover?

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

  47. Why Should I buy Life Insurance?

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

  48. Declined Life Insurance - BMI

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

  49. Serious Illness Cover vs Critical Illness Cover

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

  50. Offshore Workers Life Insurance Market Changes

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

  51. 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

  52. Type 2 Diabetics and Life Insurance

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

  53. Is my Life Insurance subject to Inheritance Tax?

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

  54. Diabetics Income Protection

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

  55. 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

  56. Does Life Insurance Cover Terrorist Attacks

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

  57. Critical Illness Cover - Neurological Conditions

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

  58. 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

  59. HIV Life Insurance - How Much Does It Cost

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

  60. Critical Illness Cover - Cancer

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

  61. Vitality Life Optimiser - Earning Points

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  70. The Offshore Workers Guide to Life Insurance

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

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

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

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

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

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

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

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

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

  75. Aviva Update their Critical Illness Contract

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

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

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

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

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

  78. 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

  79. Legal & General Launch Second Medical Opinion Services

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

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

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

  81. Armed Forces Personnel and Humanitarian Aid

    - Date: 16th March 2015
    - Categories: Occupations

  82. The Strangest Football Injuries In The World

    - Date: 26th February 2015
    - Categories: Occupations

  83. Aviva Update their Free Parent Life Cover

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

  84. Indoor Cycling - Interview with the National Cycling Centre

    - Date: 3rd December 2014
    - Categories: Pastimes

  85. Indoor Caving: Interview with XC Climbing Centre

    - Date: 24th November 2014
    - Categories: Pastimes

  86. Abseiling For Beginners: Interview with Dart Rock Centre

    - Date: 20th November 2014
    - Categories: Pastimes

  87. Life Insurance for People Working at Heights

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

  88. Legal & General Free Life Insurance for New Parents

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

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

    - Date: 31st October 2014
    - Categories: Pastimes

  90. Life Insurance for New Parents

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

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

    - Date: 6th October 2014
    - Categories: Pastimes

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

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

  93. Income Protection for Teachers

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

  94. Declined Life Insurance

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

  95. Legal & General Payouts in 2013

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

  96. Aviva Update their Income Protection Cover

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

  97. Legal & General Update their Income Protection Contract

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

  98. Liverpool Victoria Launch their Personal Sick Pay Scheme

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

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

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

  100. Life Insurance Types

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

  101. Life Insurance: Foreign Travel

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

  102. Life Insurance: How it Works

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

  103. Life Insurance Explained

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

  104. Aviva improve their Critical Illness Contract

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

  105. Children's Funeral Cover

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

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

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

  107. Income Protection: The Three Strikes Rule

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

  108. Critical Illness Cover - Potential Exclusions

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

  109. Life Insurance for Young Adults

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

  110. 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

  111. Critical Illness Cover - Explained

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

  112. Life Insurance for Disabled People

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

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

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

  114. Partial Payments - Are They Worth It?

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

  115. Vaping? Life Insurance for E-Cigarette Users

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

  116. Critical Illness Cover vs Income Protection Insurance

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

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

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

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

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

  119. Critical Illness Cover Payouts for Breast Cancer

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

  120. Life Insurance with Multiple Sclerosis

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

  121. Life Insurance for Motorcycle Riders

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

  122. Income Protection for the Self-Employed

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

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

    - Date: 11th February 2014
    - Categories: Occupations

  124. Life Insurance for High Net Worth Individuals

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

  125. Life Insurance for People with Multiple Illnesses

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

  126. Life Insurance During Pregnancy

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

  127. Overweight Life Insurance

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

  128. Armed Forces Life Insurance

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

  129. Income Protection for Company Directors

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

  130. Income Protection for Doctors

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

  131. Accident and Sickness Cover for the Self-Employed

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

  132. Life Insurance for Offshore Workers

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

  133. Life Insurance for Smokers

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

  134. Life Insurance for Cancer Survivors

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

  135. Critical Illness Cover for Diabetics with Zurich

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

  136. Critical Illness Cover for Diabetics with Friends Life

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

  137. Does Critical Illness Pay out for Diabetes?

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

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