Mental Health and Disclosure: What Actually Matters
A practical guide for UK protection advisers on mental health disclosure, the Consumer Insurance Act 2012, underwriting standards, and avoiding claim issues.
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Author: Protection Guru
Lupus: When a Life-Altering Diagnosis Doesn’t Pay Out
Lupus can change life overnight—yet most critical illness policies won’t pay unless severe, permanent kidney or neurological damage occurs. Learn definitions, claim triggers, best cover.
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Terminal Illness Claims: Where Twelve Months Decides Everything
Understand terminal illness claims in UK life insurance: ABI rules, the 12‑month prognosis hurdle, insurer differences, FCA findings, and how advisers can help.
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When hearing is the job: why own-occupation cover matters more than you think
Learn why own-occupation income protection is crucial when hearing is essential, using pilots and other roles to highlight gaps in UK cover and claims.
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Stroke claims and the fine print: why a “mini stroke” might not pay
Learn why a “mini stroke” (TIA) may not trigger a critical illness payout, how stroke definitions vary by insurer, and the key wording pitfalls to watch.
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