Protection Guru’s monthly virtual Protection Forum brings together visionary advisers with leading providers to engage in discussion on topical issues in the industry. Our sessions are not only a great networking opportunity, but a way to get involved in creating positive change and help more people get the protection they need.

Tuesday 24 March 2026

Is “affordability” the scape goat that people use for not having protection cover?

SThe March Forum discussion investigated whether there are factors other than “affordability” that are the sticking point, and whether the “it costs too much” narrative is driving down premiums to unsustainable levels and undermining the offering and service that the industry can deliver.

Our panellists were:

Matthew Chapman, founder of The Protection Coach

Terry Blackburn, founder of The Wealthy Advisers Club

 

Scroll down to hear the highlights from the discussion.
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Is Affordability the Scapegoat for No Cover? — March Forum Recap — Part Two 

Part Two of the March 2026 Protection Forum recap: practical techniques to prevent price objections, reframe risk, and make protection value the focus.

Is affordability the scapegoat for no cover? – March Forum Recap – Part One 

Recap of the March 2026 Protection Forum: why ‘affordability’ objections often signal a value gap—and how advisers can reframe protection conversations.

The unintended consequences of post-sale underwriting – February Forum Recap – Part Two

Protection Forum discussion on solutions to post-sale underwriting risks, with Scott Taylor-Barr and Kath Stagg exploring FCA guardrails, replacement business checks, adviser concerns, and the impact on consumer protection in insurance.

The unintended consequences of post-sales underwriting – February Forum Recap – Part 1

Protection Forum discussion on the unintended consequences of post-sale underwriting, featuring Scott Taylor-Barr and Kath Stagg, exploring consumer detriment, replacement risk, medical record errors, and proposed FCA-focused industry safeguards.

Pre-sales Underwriting – January Forum Recap – Part Two

The second half of the Protection Forum explored pre-sales underwriting in practice, focusing on complex cases, tool limitations, service standards and adviser frustrations.