Advisers do not read for interest. They read for answers they can use with clients.
Looking back over 2025, the articles that were read, shared and returned to most often all have one thing in common. They deal with real advice problems. Premium increases. Indexation decisions. Underwriting limits. Income protection for NHS staff. Fracture cover.
These are not abstract topics. They show up in real conversations, with real clients, every week.
Based on readership and engagement, these were the five most read Protection Guru articles of 2025:
NO.5
How will a client’s premium be affected by index-linked benefit increases?
Indexation looks simple on paper. In practice, it creates uncertainty for clients and hesitation for advisers. This article resonated because it explains, clearly and practically, how index-linked benefit increases actually affect premiums over time, and what advisers need to explain before clients agree to them.
NO.4
How flexible are insurers if clients wish to opt out of indexation increases?
Opting out of indexation is a conversation many advisers have, but few feel fully confident navigating. This piece cut through insurer assumptions and showed where flexibility exists, and where it does not. That clarity is why advisers kept coming back to it.
NO.3
Life Insurance: Which Insurer Offers the Highest Non-Medical Underwriting Limits?
Underwriting limits matter when time, health disclosures or client fatigue are in play. This article became a reference point because it gives advisers a quick, reliable way to sense check which insurers are most likely to support a smooth application without unnecessary medical evidence.
NO.2
Income Protection for NHS medics – How providers compare
NHS income protection is complex, misunderstood and often poorly explained. Advisers returned to this article because it sets out the differences between providers in plain English, and helps avoid advice errors that only surface at claim stage.
NO.1
Which insurers offer fracture cover and how do they compare?
Fracture cover looks simple until a client asks what is actually covered and what is not. This was the most read article of the year because it answers that question directly. It gives advisers confidence to recommend, explain or challenge fracture cover properly, rather than relying on assumptions or sales summaries.
