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Helping you get into the Christmas spirit

Helping you get into the Christmas spirit

We want to help get you into the Christmas sprit! With the holidays right around the corner, here are our favourite Christmas themed articles.


Over the last couple of years “added value benefits” have become a core component of most protection plans. It seems that every insurer now offers wider benefits that can help consumers stay healthy both in mind and body as well as benefits that can improve recovery or lessen the effects of injury or ill health. With Christmas fast approaching we wondered how such benefits might be utilized in the hard-working machine that is the North Pole and which members of Santa’s team are most likely to use the different services available.

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In the frosty corridors of the North Pole, where twinkling lights adorn evergreen trees and the air is filled with the sweet scent of gingerbread, one might assume that the only concerns occupying Santa’s mind are toy production and the naughty-or-nice list. What if, however, the big man was concerned about his insurance provision (It’s a stretch, I know, but bear with me)? Have you ever thought about how the protection industry would insure Old St Nic? Navigating Santa through underwriting would be no easy feat, but fear not! We’ve done the groundwork, ensuring that if Kris Kringle walks into your office seeking insurance this year (or next), you’re armed with the solutions!

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The festive season is firmly upon us and, if your house is anything like mine, there are elves on the shelf, toy commercials at every break and fire hazards everywhere. The north pole must be a hive of activity right now, but have you ever thought what would happen if old St Nic could not deliver presents? What if Rudolf and his pals were unable to fly? How could insurance help to save the children of the world from the prospect of the most dismal Christmas ever?

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“To me you are perfect”! A great line and whilst I haven’t written it on a cue card with carol music playing in the background, it is one I would dearly love to say about the protection industry. Whilst in reality our industry is far from perfect, we help many, many families each year in dire circumstances. We provide financial resilience to our clients and must adapt and remain relevant to whatever has happened in their life. When watching Love Actually, I was reminded just how quickly a client’s life could change which prompted Protection Guru’s Christmas themed article. How would we advise the nine different story lines if they were our client, and we were meeting them for an annual review?

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Charles Dickens’ A Christmas Carol is one of the most famous Christmas stories and has been told numerous times on stage, screen and even by the Muppets. Have you ever wondered however, how different the story might have turned out if some of the key characters had insurance? No? Well it’s a question the Protection Guru team have posed (because we’re geeks like that) and in this article we take a look at what types of insurance might have made a difference and how the story might have been quite different.

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About The Author

Adam Higgs

Adam leads Protection Guru's detailed protection research and benchmarking of both product and operation features provided by insurers and has a vast knowledge of the protection market. He has been instrumental in building the protection comparison service Quality Analyser and maintaining the data to enable adviser to quickly and easily compare protection products based on qualitative measures. He also works with adviser firms to help in panel reviews and with insurers to help them understand the shape of the market, their strengths and the areas that could be improved in their products. In his spare time and when not spending time with his wife and two children, Adam is a keen Arsenal fan and enjoys hacking his way around a golf course.

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