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Using claim case studies to save protection policies - 5 things you should read

News article

Publication date:

23 May 2022

Last updated:

23 May 2022


Protection Guru

As individuals and households face an unprecedented squeeze on their income as a result of rising energy prices, tax increases and general price increases, many will be forced to make cutbacks and savings on their monthly expenditure.

There is therefore a concern that products such as protection insurance may be cancelled as a ‘non-essential’, at a time when in fact they are arguably more important than ever.

In April of this year, a collaboration between the Protection Distributers GroupAssociation of Mortgage Intermediaries and Income Protection Task Force saw the publication of a ‘Guide to Saving Protection Policies’. These two guides, one adviser facing and one consumer facing are an update and refresh on a similar resource created at the outset of the Covid-19 pandemic and provide advisers with some useful tips and information on how best to approach product retention with clients.

In support of this initiative and in particular one of the points made within the guide: “use real examples of the impact of not having insurance at a time of need”, for today’s insight we bring you a round up some case studies and similar claims content currently available on our site. We would encourage advisers to use this material and share the stories with their clients. We also welcome submissions from advisers on any case studies they wish to share and have published on the Protection Guru site.

Download the ‘Guide to saving Protection Policies’ here:

Adviser facing guide

Consumer facing guide



Income Protection provides far more than just financial support to those that are unable to work due to injury or ill health. Within this page we have brought together a selection of videos that explore the impact that having income protection has had on a number of clients and some of the families supported by the 7 Families initiative. 

To read more click here



Being diagnosed with a critical illness such as cancer can be devastating and stressful enough, without having to face the possibility of financial hardship as a consequence. The case studies presented here highlight the importance of having protection cover in place and the life changing impact this can have for those diagnosed with a critical illness. 

To read more click here




Protection plans offer so much more than just a financial pay out. Across the industry added value benefits such as second medical opinion services, counselling, virtual GP services etc. have rightly become a core part of plans with use of such services increasing massively during the pandemic. Within this page we have brought together a selection of videos that highlight how such services have helped clients and the impact they have made on not only them but their families as well. 

To read more click here




When speaking to clients about protecting their income there are many objections that might be thrown at you. “I’m too young”, “I’m healthy”, “if I’m ill I won’t be off for a long time” might be some of the more common, especially in younger clients. Whilst statistically, a younger person is less likely to need a long period off work, it does happen and the story of one claim from LV= highlights exactly why younger clients should be prioritising Income Protection.

To read more click here 



One of the benefits of working as closely with insurers as we do is that, during claims stats season, we are often provided with far more information than insurers generally expose through their claims literature. More often than not when we delve into this detail we come across statistics or stories that we believe need to be shared with advisers and their clients. In a recent discussion with Holloway Friendly we came across an astounding story that not only highlights why income protection is so important, but also the fantastic ongoing support that they provide to their clients that many do not see or appreciate.

Click here to read more 


This document is believed to be accurate but is not intended as a basis of knowledge upon which advice can be given. Neither the author (personal or corporate), the CII group, local institute or Society, or any of the officers or employees of those organisations accept any responsibility for any loss occasioned to any person acting or refraining from action as a result of the data or opinions included in this material. Opinions expressed are those of the author or authors and not necessarily those of the CII group, local institutes, or Societies.