Advice

Sahara, 29, and her fiance Robert, 33, live in Bristol. Sahara works as a nurse and Robert is managing director of a small IFA firm. Their combined salary is £64,000. They are both in good health and regularly attend a gym. Sahara and Robert drink moderately...

Elsie, 54, is a secretary for a big law firm in the City. She is covered by her employer's group income protection scheme. However, the scheme will only cover her until she reaches retirement age - 60. While she will receive a substantial pension she...

Sarah, 32, and her husband Mark, 34, live in London. They have two daughters, Lisa and Becky, aged four and two. Sarah is a primary school teacher and Mark is a train driver. Their combined salary is £55,000. They do not have any kind of insurance, but...

Daniel owns a publishing company that employs 350 staff. He believes in taking a paternalistic stance towards his employees and is offering them income protection (IP) and critical illness (CI) cover. He now wishes to offer them private medical insurance...

Sarah and her husband Carl are both 34-years old. Sarah works as a dentist and Carl is an IT manager. They have a combined salary of £95,000. They currently have mortgage protection payment insurance (MPPI), which they bought when they purchased their...

Peter, 35, and his four-year-old daughter Beth are about to relocate from London to Aberdeen after Peter was offered a job as an oil and gas technician. His new salary is £85,000. Peter is in good health; however, Beth suffers from asthma, for which she...

Robert and his wife Caroline are both 34. Robert is a construction worker and Caroline is a primary school teacher. In their spare time, they both enjoy paragliding. They have recently bought their first house and have a repayment mortgage of £125,000...

Matt Johnson owns a graphic design company that employs 15 people. He has decided to purchase larger premises and the profits from the business easily cover the repayments. However, Matt is concerned about what would happen to the business if his key...

Mike and his wife, Sandy, are both 54-years old. Mike recently retired from his £100,000 job as a European sales executive of a large firm. They are now looking to relocate to Spain, where they have bought a villa. They are planning to stay for the foreseeable...

Caitlin, 25, has recently inherited £15,000. She wants to buy a house with her boyfriend Danny, 28, but as they hope to go travelling they are renting for a year. Caitlin works for a television company and earns £27,500. Danny is a dentist and earns £45,000....