Cura Advent Guides

Alan Knowles, Managing Director of Cura Financial Services, is appointed as the new chairman for the Protection Distributors Group. Read the full article here.

So this is the not so good side of insurance, when a policy does not pay out when you expect it to.

So what is Income Protection? It is pretty much what is sounds like. You take out an insurance policy, that protects your income. It typically covers between 50-75% of your gross income, if you are too ill to work.

When you have HIV the insurer is going to want to know some specific details about your condition so that they can fully assess your application.

When you have had a stroke the insurer is going to want to ask you a number of questions to establish the severity of your condition.

When you have Parkinson’s Disease the insurer is going to want to know about how the condition affects you.

Critical illness cover. What is it? Do you need it? In a nutshell this policy can provide you with a tax-free cash lump sum if you are diagnosed with a serious condition that is covered by the insurer.

Do you have Crohn’s disease? Ulcerative colitis? IBS? Diverticulitis? When you have a digestive condition, it is possible that the insurer may ask you a few questions about your health, to see if they can offer you the cover you want.

Do you get to travel abroad often? One, I’m jealous. Two, make sure that you know what this can mean for your insurance policies.

When you think of hazardous pastimes some of the first ones that come to mind are probably rock climbing, base jumping, caving, scuba diving, sailing, etc.

can imagine what you are thinking right now. Musculosk…what? This is just a fancy word that groups together conditions that affect the body’s skeletal and/or muscular systems.

When you arrange life insurance, critical illness cover, income protection or private medical insurance you will often need to tell the insurer of any heart condition(s) that you have.

Alan Knowles, Managing Director of Cura Financial Services, is appointed as the new chairman for the Protection Distributors Group. Read the full article here.

So this popped up in a conversation I had recently and to be honest it scared me quite a bit. The answer is no. I cannot afford to retire tomorrow.

One of the most important things to do when arranging insurance if you have a mental health disorder, is to speak to someone that you feel comfortable with.

There are quite a few jobs that spring to mind when we think of hazardous occupations: armed services personnel, offshore worker, bomb disposal experts, etc.

When you first come to arrange insurance it can sometimes feel like a great big jumble of numbers and options, making it really hard to know where to start. In an ideal world everyone would have Life Insurance, Critical Illness Cover,

If you currently have or have had cancer you will need to detail this to the insurer when you apply for life insurance, critical illness cover, income protection and some private medical insurance policies.

When you are arranging life insurance, critical illness cover, most income protection policies and some private medical insurances, the insurer is going to want to know your BMI.

When you are arranging insurance one of the key things that you are going to be asked is if you have any medical conditions.

No, I am not. There are protection insurance policies, that can reward you for living an active and health lifestyle. These policies can be perfect for anyone who is willing to engage with them.