To help advisers get to grips with the fast moving COVID-19 situation and the impact this is having on protection, we have created pages dedicated to answering the questions you want answered. To obtain more granular and consistent data we have gone out to each insurer with the questions you have been asking which will be updated in real time in order to help you understand what is happening.

Furloughed Clients


The latest statements from insurers on how they are approaching COVID-19 all on one page.


We have put together a set of questions that advisers want to know the answer to with regard to how applications are being underwritted and what the client must disclose to protect themselves from unintentional non-disclosure.


We have put together a set of questions that advisers want to know the answer to with regard to what is excluded from plans and how insurers are approaching claims across the different product types.

Keeping Policies in Force

Premium Holiday / Premium Deferral

Benefit Reduction

Sabbatical/Career Break

Premium Waiver

Cancelled Policies

Bounced Direct Debits


Relevant insights

A new way for advisers to share their views on what matters to them

For over ten years, Protection Guru’s parent company FTRC, have run quarterly Protection Forums designed to bring advisers and insurers together to discuss key issues affecting the protection market and identify how to address them co-operatively. These meetings have...

Which insurers make it easier to increase business protection?

Business protection can provide a financial lifeline to businesses by paying out a sum of money in the unfortunate event of the loss of a key person or partner/shareholder. Setting up a business protection policy to provide financial security to a company can be...

When is financial evidence required on business protection cases?

The death of a key person or shareholder can have significant impacts on a business and threaten its ability to continue running. With many business owners being time-poor, advisers will want to minimise the number of requests for information made to the business....

COVID & NOVAD – Legal & General embrace new approach to trusts

During the period of lockdown, advisers have had to find new ways of interacting with clients. The use of digital services have been a real enabler to carrying out tasks that were taken for granted when face-to-face meetings were possible. When it comes to completing...

AEGON first to announce changes after FCA Guidance

In a positive start to the week, AEGON have become the first insurer to respond to FCA guidance published last week by implementing a premium deferral option. The FCA guidance set out the regulators expectations of insurers in order to support customers suffering...