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Good intentions, terrible outcomes: The truth about seven-day deferred IP

Posted by Gary Waters | May 14, 2025 | Deferred Periods, Income Protection | 2 |

Good intentions, terrible outcomes: The truth about seven-day deferred IP

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About The Author

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Gary Waters

Gary brings over 30 years of experience as both a financial adviser and a mortgage adviser. After witnessing the consequences of under-protecting clients, Gary became deeply committed to mastering the art of protection sales. Over the course of 25,000 client interviews, he developed a proven system that consistently generated protection sales at 10 times the industry average. In 2020, Gary realised his method could empower thousands of advisers to help tens of thousands more customers secure the protection they need. This epiphany led him to transition from adviser to full-time protection sales coach, dedicating his career to elevating the standards of protection advice. Today, Gary is widely recognised as one of the leading experts in protection sales coaching. His engaging, down-to-earth teaching style and dynamic personality have earned him a loyal following across social media. He continues to inspire and guide advisers toward better protection practices, helping them deliver significant value to their clients.

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2 Comments

  1. Warren Robins
    Warren Robins on 14th May 2025 at 11:43 am

    400% cheaper? When 100% cheaper is free.

    Reply
  2. david berry
    david berry on 14th May 2025 at 12:07 pm

    right provider is key also look at Holloway friendly on guaranteed annual renewable rates, will generally always pay less over the term than a guaranteed rate by anyone
    and try putting rpi with Exeter guaranteed rate and you will get lower premiums than the normal rate. remember it can be changed annually

    Reply

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