LOCUM PROTECTOR

From a locums perspective, objective professional advice must be sought to avoid underinsurance or not having appropriate riders. There are many riders (I.e, policy features). I can explain a few,...

Your two biggest assets are your life and your ability to earn an income. In the UK, 86% of disabled people acquire their disability while of working age.

This means that the chances of someone...

Auto and home insurance, for example, are required. Whereas income insurance is a choice. You insure your home in case something happens, but the chances of a house fire, storm damage, or other...

Every advisor has a formula they think is best for determining how much long-term cover you need. Some formulas are simple, whereas others look like something only Elon Musk could cook up. But...

Many of us tend to think of becoming disabled as something that happens to other people, particularly those with physically demanding jobs. Whilst being a locum is physically demanding, owing to...

Beyond financial effects of not being able to work, there are also possible long-term social and psychological effects that are worth considering.

Returning to work: While returning to work is...

As a part of my commitment to educating locums, the best place to start is to begin with a close look at your own personal risks and needs. And that self-education should always begin with an...

Your ability to earn an income is one of your most valuable assets. Yet, many people overlook the importance of protecting it. Income protection insurance can provide a financial safety net,...

Income protection, (sometimes called disability income insurance) seems easy to understand on the surface: you pay a premium, and if you become disabled, the insurance company replaces your...