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These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A sole trader wants to discuss income if unable to work. Insurable earnings and household costs need to be separated.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Salary and dividends fund personal spending. The insurer's earnings definition needs checking.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A business owner wants support for both. Household income protection and business overhead needs are different questions.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A household or business owner wants to discuss self-employed income protection. Two points need attention: accounts and personal income; essential household expenses. Insurers need evidence of earnings and may assess directors and sole traders differently. The evidence and the decision need to be considered together rather than in isolation.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A household or business owner has started a conversation about self-employed income protection, but the brief has changed. The review revisits two points: savings buffer; existing policies and business overheads. The next step is agreed using the updated facts, with any unresolved questions recorded.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Insurers need evidence of earnings and may assess directors and sole traders differently. The benefit should fit the policy's income definition. Business overheads and personal living costs are separate needs, even when both come from the same business account.