Jason joined Protection Guru from Guardian Financial Services in January 2025. He’s been in Financial Services since 1988, his two passions are helping people to develop and Protection, the latter of which he fully immersed himself into in 2017.
Ever curious, Jason is also a Six Sigma Green Belt, a certified Coach and a hugely experienced Learning and Development Practitioner with a keen eye for detail and an ability to make the complex appear simple.
A bibliophile and dog lover Jason can often be found walking his dog, Ziggy, or with his nose in a book.
Jason, another great article, but I think there is another layer to consider – that of the part that Underwriting plays, or not – as those providers that specifically UW MFC (Aviva, CF, SW, V?) will underwrite out (decline) many of the risks that others have exclusions for, giving the same net result………
wow jason i spoke to you yesterday about Underwriting for income protection, You are a mindful of information, if you want to consider the friendly societies Holloway exeter and british friendly . they will not change their stance on wording for back pain neck pain etc in the last 5 years. this is their choice of course. It just says whether you have consulted a doctor or not. this is a much stricter wording of the questions. REASON clients should declare all self medication taken over the last 5 years which if not declared could impact at point of claim.
Cirencester and other insurers state if your have seen a doctor nurse or other health professional in the last 5 years.
You are not saying the 3 societies are wrong you are declaring the facts, and then it is up to the advisers to make a decision of course.
I do believe this would be extremely useful thank you David
Great comparing article!
This is a brillaint comparision.
A brilliant additional benefit. Lots of claims are received and paid for this type of cover.
Jason, another great article, but I think there is another layer to consider – that of the part that Underwriting plays, or not – as those providers that specifically UW MFC (Aviva, CF, SW, V?) will underwrite out (decline) many of the risks that others have exclusions for, giving the same net result………
wow jason i spoke to you yesterday about Underwriting for income protection, You are a mindful of information, if you want to consider the friendly societies Holloway exeter and british friendly . they will not change their stance on wording for back pain neck pain etc in the last 5 years. this is their choice of course. It just says whether you have consulted a doctor or not. this is a much stricter wording of the questions. REASON clients should declare all self medication taken over the last 5 years which if not declared could impact at point of claim.
Cirencester and other insurers state if your have seen a doctor nurse or other health professional in the last 5 years.
You are not saying the 3 societies are wrong you are declaring the facts, and then it is up to the advisers to make a decision of course.
I do believe this would be extremely useful thank you David