Case study

Beverly, 42, earns £44,000 working as an architect for a large building company. She has nerve damage in her right arm caused by a car accident a few years ago for which she was not at fault. She is divorced with custody of two children aged 11 and 14. She does not smoke but does drink the equivalent of two bottles of wine a week. For exercise, she attends two gym classes. What cover would you recommend? Dale Tranter, Sesame Beverly's prime need - with no earning partner - is for income protection (IP), particularly given the nerve damage to what is probably her 'drawing' arm. As it is ...