Advice

Annie is 27 years old and single. She earns £25,000 a year in her job as a sales manager in a small shop in central London. Annie still lives at home, however, she is looking at renting her own flat within the next few months. She is considering paying...

Thomas and his young family are relocating to Dubai from London, following Thomas' appointment as head of the Middle East newsroom for one of Britain's national newspapers. His wife, Eleanor, has a four-year-old son called William from a previous relationship...

Michael, 30, recently graduated from university, is single, and has just landed a successful job in the City, earning £90,000 per annum. This new stage in his life will mean he is to relocate from his previous home in Edinburgh but is hoping to buy a...

Michael, 37, and his wife Rachel, 33, have been having marital problems and have now separated. Neither can afford to stay in their house, which they bought with a joint repayment mortgage of £280,000 over a 25-year term, so they have to sell it. They...

Stephen, 25, lives at home with his parents in Esher, Surrey. He recently started his first job at a large London-based merchant bank and he is now considering taking out health insurance. He enjoys good living and regularly visits the pub after work....

Last year, Nathan, 37, and his girlfriend Jemma, 32, bought their first flat together, with a joint repayment mortgage of £300,000 over a 25-year term. They did not opt for insurance at the time, but after finding out that Jemma is pregnant, they now...

Daniel, 45, lives in London with his 15-year old daughter, Jennifer. He wants to take out private medical insurance that would cover both him and his daughter. They are both non-smokers and in good health. However, they are keen sportspeople, particularly...

Richard, 35, and his wife Claire, 32, live in London. They have an 18-month-old son called Samuel. Richard is a journalist and Claire is a part-time secondary school teacher. Their combined salary is £52,000. They recently bought a new house and as part...

Married couple Samuel and Olivia, both 37, are moving to the French Riviera to open a B&B, having spent over 10 years as City investment bankers. Samuel is planning to go back to London two weeks a month to work for his old firm. They are looking for...

Carol and her husband Stuart are both 38 years old. They live in London with their four-year-old son, Benjamin. After Carol's mum was diagnosed with breast cancer earlier this year they began to worry about falling ill and being unable to work. They have...