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How to protect clients with five years’ sick pay via group income protection

Posted by Gary Waters | Oct 14, 2025 | Income Protection | 2 |

How to protect clients with five years’ sick pay via group income protection

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About The Author

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Gary Waters

Gary brings over 30 years of experience as both a financial adviser and a mortgage adviser. After witnessing the consequences of under-protecting clients, Gary became deeply committed to mastering the art of protection sales. Over the course of 25,000 client interviews, he developed a proven system that consistently generated protection sales at 10 times the industry average. In 2020, Gary realised his method could empower thousands of advisers to help tens of thousands more customers secure the protection they need. This epiphany led him to transition from adviser to full-time protection sales coach, dedicating his career to elevating the standards of protection advice. Today, Gary is widely recognised as one of the leading experts in protection sales coaching. His engaging, down-to-earth teaching style and dynamic personality have earned him a loyal following across social media. He continues to inspire and guide advisers toward better protection practices, helping them deliver significant value to their clients.

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2 Comments

  1. david berry
    david berry on 14th October 2025 at 2:50 pm

    great and spot on always read the small print

    Now something you should look at protection guru ? try this out select any occupation so they can have max 65% of earnings a level 2 to level 4 clients 30 and above
    base it on maximum cover for someone earning £25000 year which is £1354 month 4 week deferred period with indexed cover to age 70 on a guaranteed basis no annual increase other then indexation
    I guarantee that no one will even come close to Cirencester friendly

    Reason first and most important only increase the premium each year by the cost of living index, everyone else will have the premium going up at 1.5x the cpi rate or rpi whatever they use accept London only 1.2, but apart from holloway who only use the same as cirencester. over 40 years that is one heck of a difference, especially if you cannot do the job again and your claim carries on being indexed which it will

    Reason 2 all the other providers including the friendlies are dearer check it out. Do a quote level 2 to level 4 and main companies at level 4 and in some cases 3 will not do deferred periods of 1 month anyway. health hero benefits free they are streets ahead of anyone else

    Now that is something you should be really letting advisers know about
    i have just done agroudwoker is shareof net profits 25000 he is 40 next premium guaranteed with indexation £1354 month £59.43 month

    Reply
    • david berry
      david berry on 14th October 2025 at 2:54 pm

      interested to see what you think

      Reply

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