Advice

Paul and Jemima are both 30 and have stopped smoking as part of their new year's resolution. They are looking to take out private medical insurance in a bid to look after themselves both now and in the future. Paul earns £32,000 as a press officer, and...

Tom, 35, lives with Beverley, his wife of the same age. Last week, Tom fell down the stairs and while his doctor has said there will be no lasting damage, he has torn the muscles in his left shoulder. Tom works as a teacher. He earns £30,000 a year and,...

Philip and Arthur have just entered into a civil partnership and both want to ensure that the other is able to cope financially should they suffer an illness and become unable to work. They both smoke and enjoy a drink most nights but regularly go to...

Mark is a 50-year-old plumber who is looking to spend another 10 years in his profession before taking early retirement. He is married with one child and has yet to quit his 30-a-day smoking habit, which he started when he was in prison 20 years ago....

Sarah, 37, recently separated from her long-term partner with whom she has two children; Emilia, five, and six-month-old Daniel. As their house belonged to her ex-partner, she had to move and now rents a two-bedroom flat for £1,000 a month. As a GP, Sarah...

Peter is a 42-year-old bachelor living in Glasgow. He was recently made redundant from his job as an oil rig worker and is about to start up his own consultancy in the oil industry. Having left the company he was with, he is now not going to have any...

David is a 56-year-old widower who is moving to Italy to retire, following the death of his wife earlier this year. Having witnessed his wife's suffering, he now sees the value of private medical insurance (PMI), and is looking to obtain international...

Oliver, 45, has just started working as a freelance journalist. He previously worked at a large national newspaper and had group income protection as part of the company's benefits package. However, his decision to go freelance has meant that he is no...

Catherine is 24 years old and has just relocated to Coventry to live with her boyfriend, Sam, 26. They are both non-smokers and go to the gym several times a week. While leading a healthy lifestyle Catherine was born with a heart defect, which meant her...

Sophie is the new landlady of a pub with her husband, Andrew, in the heart of Surrey. They employ around 10 full-time staff. She is looking for suitable business protection as the current one is due for renewal later in the summer. Sophie is looking for...