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How to calculate non-medical underwriting limits for family income benefit

How to calculate non-medical underwriting limits for family income benefit

About The Author


Rob Harvey supports Protection Guru in it’s detailed research & benchmarking of protection products and features. He works alongside the team in helping drive product innovation and improvements with insurers and engages with adviser firms in ensuring they have the right tools & resources at their disposal to deliver the best protection advise. Prior to joining Protection Guru Rob spent 9 years at protection specialists Drewberry, where he worked as an adviser, learning & development manager and finally head of health & protection. In his spare time and when not out enjoying the pubs & bars of Brighton, Rob collects vintage clothing, is an historic motor racing enthusiast and avid country walker.


  1. Adam Kaplan

    Ive just done a whole peice in this myslef and created a calculator to work it all of for me and it also combines any lump sum cover too. If id known you were going to do this I would have waited. 😉

    Great work and its nice to see the research ive done into this matches.


    • mm

      @Adam, and all other Protection Guru users, if you ever have a subject you feel you want to do research on please get in touch with our team first to check if we have looked at it previously (ideally after checking our Learning Hub to see if the answer is already there) if you need that research chances are other advisers do so we can pull it together to help everyone. This should reduce the amount of time you have to spend on research and help everyone benefit. We have the resources, systems, and support from providers to provide such analysis quickly and comprehensively please ask for our help wherever it would be useful.


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