Tag Archives: income protection cover

Are you Supporting the Seven Families Income Protection Initiative?

Financial Services, Marketing, , , , , , ,

The Seven Families campaign launched nationally at the start November 2014.

I’m confident as a result of the campaign, Income Protection will gain a higher profile in the public consciousness.  Whilst aiding seven in-need families.

7F Supporters-Badge_large (4)

So far the campaign has unveiled two families and the charity Disability Rights UK (DRUK) and the Seven Families (7F) Action Group are finalising their due diligence on the next recipients. Expect more announcements soon.

The aim is to raise awareness of the financial and emotional impact of being unable to work due to long-term health conditions or disability. And to strengthen the voice of disabled people.

To do this the Action Group asked DRUK  to find seven families where accident or illness has forced the main breadwinner out of work. The families also didn’t have insurance.

The families will then receive a monthly income for a year as if they had bought a short-term Income Protection plan, paid for by the group of insures supporting the campaign. They’re giving the money on a charitable basis.

A key element of the initiative is that the campaign will give the families vital rehabilitation which could help them get back to work.

The campaign is about people in need.  It has a simple message at its core – that Income Protection cover can make a huge difference to people’s lives when they really need it.

The key campaign aims are:

  • To raise awareness of people’s financial vulnerability after long-term ill-health or accident
  • To help real families who are facing financial meltdown
  • To show the impact of rehabilitation and counselling through trying to help get people back to work

Listen to Peter Le Beau of the Income Protection Taskforce talking about Seven Families on the MPAF Podcast:

Peter Le Beau on the Seven Families Initiative

Let’s hope that the Seven Families project will become one of the most significant industry initiatives of our generation.

Now it’s your turn: Check out the Seven Families Campaign and support them on Social Media.

Twitter: @7families
Website: www.7families.co.uk
Facebook: www.facebook.com/7Families
Just Giving: www.justgiving.com/7F
YouTube: www.youtube.com/user/sevenfamilies
Income Protection Taskforce Website: www.iptf.co.uk

Caroline Hawkins on Critical Illness Cover and Business Protection – MPAF21

MPAF Podcast, , , , , , , , , , ,

If you’d spent seven years fighting an insurance company for a critical illness claim payment would you have become a passionate advocate for the product?

My guest today is a financial adviser who dealt with just such a prolonged claim.

Rather than put her off protection insurance, Caroline says the experience created a passion for protection. Now she focusses on protection advice. Particularly critical illness cover and business protection.

Caroline uses compelling stories to convince her clients of the need for protection insurance.

My guest on Episode 21 of the Marketing Protection and Finance Podcast is Caroline Hawkins.

Caroline Hawkins on Critical Illness Cover and Business Protection

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Who is Caroline Hawkins?

Caroline works for Direct Finance Solutions Ltd.

She’s an experienced, fully qualified, independent adviser specialising in Business Protection including tax-efficient Life Cover, Key Person cover and Shareholder protection; Personal Protection including Life Cover, Critical Illness Cover and Income protection; Large Loan Mortgages including International Mortgages and Buy-to-Let portfolios.

Her aim is to help people and corporate clients take control of their finances in a friendly and professional way whilst bringing financial peace of mind. Like many financial advisers, Caroline concentrates on building long-term relationships with her clients.

Listen to Caroline’s stories about critical illness cover and business protection. Hear her opinions on whether protection is too complex and where the products should go in future.

Caroline’s links:

Caroline’s favourite book:

Tuesdays with Morrie by Mitch Albom.

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If you enjoyed this episode – Caroline Hawkins on Critical Illness Cover and Business Protection – please leave a comment or a review on iTunes. And if you know anyone who would enjoy the show – please share it with them. You can use the buttons below to share on social media.

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Last and Final Call on Financial Services Jargon

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My recent Podcast Interview with Rhys Williams on clarity of language in financial services struck a chord.

Thanks for your comments on the subject.

DE-PLANE!

Although guilty of using complex language, jargon and passive language in our communications we shouldn’t beat ourselves up too much. Other industries are just as culpable.

On a flight from Edinburgh to London last week I heard an interesting conversation between two American gentlemen.

Swapping stories about plane delays they had experienced in the past I heard one of them refer to leaving the aircraft as “De-planing”.

What a dreadful phrase. What is wrong with “getting off” or even the accepted English phrase of “disembarking”? How do you come up with a word like “de-planing”? When they get out of cars and buses do they de-car? Or de-bus?

I started to get quite grumpy listening to this conversation. But what finally put the tin lid on it was when the other American gentleman started to refer to getting off an aircraft as “De-boarding”.

Of course inside the airport terminal language abuse is just as rife.

Why do airport gate agents say, “this is the LAST and FINAL call…”?

I wish they wouldn’t. If it is the last call it is also the final one by definition and vice versa.

Of course it’s always the “last and final” call until they make another “last and final” call which means that the first “last and final” call was neither last nor final was it?

In the protection industry we talk about “Kick”. That means Critical Illness Cover. We recommend people buy “Eye Pee”. That’s Income Protection. And of course we overdose on passive language. “A cheque has been sent to you today” instead of the active voice, “We sent you a cheque today”.

The solution? Spot it. Have a giggle about it. And then change it.

Please have a listen to Rhys Williams on the Podcast. He’ll give you some great tips on how to do away with complexity , jargon and passive language.

MPAF17 - Rhys Williams

Now it’s your turn:

Please share your best example of complexity, financial services jargon and passive language. From any industry. Having a laugh about it is the first step in recognising the problem and then changing it.