This week I am chatting to Alan Knowles, Managing Director of Cura, known for his work as a specialist insurance adviser. Alan is also the Chair of the PDG, founding member of the Access to Insurance working group and recently appointed as an executive for the Income Protection Task Force. As a side note he is also my husband and I promise that we kept our banter to a minimum!
In this episode we focus upon providing case studies where Alan has arranged life insurance for people that are considered to be a higher risk.
The 3 key takeaways:
- Case studies of protection insurance for people that have had leukaemia, prostate cancer, organ transplants, that regularly skydive, and someone travelling and working in Libya.
- A breakdown of what percentage ratings vs per mile ratings are.
- The PDG Funeral Pledge and Claims Charter, and what it means for your clients if this insurer has signed up to these.
The standout thing for me in this episode is the case studies. Alan chats through the specific risk and the potential terms that might be on offer. More than that though, he chats about the extras that are needed as an adviser working with higher risk clients. The need to ask more questions of the client, beyond what an application form asks, to get a clear picture of their circumstances and then an accurate indication of terms.
Alan will be back on in the future with an Income Protection Masterclass and if there’s any specific risks you’d like him to chat about, drop me a message.
In the next episode I will be speaking to Vicky Churcher, Intermediary Director for AIG Life UK, who’ll be sharing her experience of having a heart attack, her recovery and the support she received through her insurances that helped her and her family.
We would love to hear your feedback!
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Episode 6 of Season 2, can be accessed here:
https://practical-protection.co.uk/alan-knowles-a-masterclass-in-high-risk-life-insurance/
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