John, 45, is an office manager looking for protection. He has a £200 000 mortgage and two children that he has custody of following his divorce two years ago. He doesn't exercise and although he had an alcohol problem four years ago, he does not drink. What would you recommend for him?
Gerry Warner, Zurich UK Life We should start by assuming that John has no current personal protection although in his role as an office manager, we might assume he'll get some limited help if he is off work. With a mortgage and custody of the children, John should ensure he can maintain his outgoings and keep the family together. His primary need is for income protection. As a single parent, he also needs to consider the implications for his family in the event of his unexpected death or serious illness and we would recommend some term and accelerated critical illness cover. Zuri...
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