Advice

Mike, 32, is a bus driver and Sarah, 32, is a primary school teacher. They have an 18-month old daughter called Jemma. Mike's father and grandfather have both had a major heart attack, but Mike is leading a healthy lifestyle and his blood pressure is...

Caroline, 25 and John, 30, are about to have their first child. Caroline works as a PA and John works for a management consultancy firm in London. They have a combined salary of £45,000. They do not have insurance of any kind, but are aware they need...

Chris is 55-years old and wants to buy an individual private medical insurance plan for himself and his family. He lives with his wife, Karin, 37, and their eight-month old son, Benjamin. They are all in good health and lead an active lifestyle. Chris...

Ed and Katie are both 37 years old. Ed is a pilot in the RAF and Katie is a freelance journalist. They have a child, Archie, who is nine months old and a repayment mortgage of £62,000 left on a 19-year term. They are looking to take out life assurance...

Gemma, 30, has just bought her first property with a mortgage of £147,000. As she has income protection cover through her employer, Gemma is looking to take out a personal critical illness plan. Although she is a fitness fanatic and does not smoke, her...

Janine, 28, works as an estate agent in Reading. A single parent, she has a four-year-old daughter called Molly. Although Janine smokes, she is in good health. Molly is also a very healthy child, and is Janine's main priority. Janine is on a tight budget,...

Marcus and his partner, Ian, are both 38 years old. Marcus is a pilot for a commercial airline and travels to the US regularly. Ian is a chemistry teacher at a secondary school in Harrow. Both are in good health, but Ian's family does have a history of...

Andrew, 35 and Fiona, 29, live in Yorkshire. They have twin girls, Victoria and Jessica, who are four years old. Andrew is a self-employed accountant and Fiona works as a private tutor. They have a combined income of £68,000 a year. Andrew's father died...

Tom, 27, an advertisement manager, has recently taken out a joint mortgage of £175,000 to buy a one-bedroom house in East London with his girlfriend and would like to take out joint life assurance cover. Sophie, 28, earns £35,000 a year. Tom's salary...

Anne is 56-years old and wants to buy an individual private medical insurance (PMI) plan. A non-smoker, Anne is in good health despite undergoing a hip replacement operation two years ago. She has not had any medical problems since and does not have any...