Advice

Jack Selway is 32-years old and a self-employed electrician based in the South-East. He is a smoker and is currently single. Jack took out a decreasing term life assurance policy with his mortgage and is now looking to take out an income protection plan....

Sally Bristow, a 32-year old non-smoker, wants to take out critical illness cover for her and her husband. They have a joint repayment mortgage of £95,000 and are planning to start a family. Andrew is a fitness fanatic and works as a personal trainer....

Elaine, 42, lives in Berkshire with her two children. She would like to purchase a comprehensive PMI policy that covers herself and her children for both inpatient and outpatient treatment. Both children are keen sports players, therefore Elaine wants...

Mike is 52 years old and would like to purchase life cover. He underwent angioplasty two years ago and has since given up smoking and lost weight - he is now within his recommended body mass index and has had no further health problems. Only one of Mike's...

Claire, 27, works full-time as a freelance illustrator. Her average annual earnings amount to £18,000, although her monthly income varies throughout the year. She has savings, which also fluctuate between £4,000 and £6,000, as she sometimes has to dip...

Christine recently set up her own catering business, which currently employs five people. Two years since its launch, she is planning on doubling her workforce. Two employees currently work in management roles, the other three work as catering assistants....

Sarah, 28 and Ted, 31 live in Oxford and are expecting their first child in four months' time. Both are healthy, non-smokers and they would like to purchase private medical insurance (PMI) for both themselves and their child once it is born. Being a...

Edward Firth is 35 and wants to take out life and critical illness cover. As a registered nurse, he earns £18,000 a year. He owns a home, which he shares with his daughter, aged 12. The outstanding mortgage, which is in his sole name and has 15 years...

Mr Spencer, 65, and Mrs Spencer, 63, are interested in buying long term care (LTC) insurance. They are both retired and in good health, but want to make sure they can still leave an inheritance to their children if either of them should need long term...

Emma, 28, works for a local firm and earns £23,000. She lives in a flat with Mia, her seven-year-old daughter. Emma bought her flat three years ago and has an outstanding mortgage of £65,000. She is a non-smoker, in good health and has savings of £3,000,...