06 SUMMER PROTECT NEWSLETTER Parkinson-plus syndromes and CreutzfeldtJakob disease (CJD) regardless of the policyholder’s life expectancy. In 2024, 56% of the terminal illness claims that Guardian paid would not yet have met the industry standard definition at the time of payout; a statistic clearly demonstrating the customer value of this enhanced definition. Underwriting Helpline Many of you have continued to use our Underwriting helpline as we try to maximise our support to you, especially where it comes to helping as many people as possible to get some sort of Life Cover/ CI or Income Protection regardless of any health issues they have. Typically we help advisers to place cases where Insurers have different underwriting criteria depending on varying medical conditions. Top enquiries requiring attention and where we have had success in supporting our firms are: • BMI • High Blood Pressure • Diabetes - Type 2 • Diabetes - Type 1 • Awaiting Surgery/Investigation/Referral/ GP • Family History - Breast Cancer • Mental Health - Anxiety • Mental Health - Depression If you have any such issues please send your query to Marc. In certain instances where ailments are too serious or too recent we still want to help you. As such we have now partnered with a specialist – The Insurance Surgery. They have access to underwriters who will offer a wide range Cover to “non-standard” applicants – for further information click here. Unemployment Cover Given the less than certain economic environment we have been looking for a supplier of Unemployment Cover for some time and now have now agreed a commercial arrangement for you. The product we are using is designed to help protect a proportion of monthly income – mainly to cover Mortgage payments if client becomes unemployed through no fault of their own, or cannot work due to an accident or through sickness. Predominantly it will cover a maximum monthly payment is £2,000 or 65% of normal income, whichever is the lower. You can apply for additional cover of up to 25% of your monthly mortgage payment subject to the maximum monthly payment allowable above. If you want access to the Product get in touch with us. Professional Indemnity Earlier in the year we emailed firms confirming that we have a new Partner for PI Insurance. Many of our firms have already been offered significant savings on their annual premiums, and if you'd like additional information click here. Events I would just want to give a shout out to our upcoming Events this year which I know are a source of great information from what we have fed back. Look at the schedule here. Yet again thank you for your continued support of our proposition – we are continuing to add to it to broaden the Products and Services we offer to you and to keep what we do Market Leading.
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