We Need to Talk About Insurance

It took a sucker punch in the street for me to see this but hopefully you will just need this video.

Lifesearch (the company I used): https://www.lifesearch.com/partner-pa...
You can also call them on: 0800 024 1735
Heath Protection (we interviewed Naomi on my podcast): https://www.heathprotection.co.uk

These are affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you.

Every insurance provider should give you an information document when signing up that breaks down when you're covered, please check yours thoroughly to make sure you understand it and to make sure you're covered in all the scenarios you want to be covered in.

This video does not represent financial advice, and I am not a financial advisor. When investing, your capital is at risk. Investments can rise and fall and you may get back less than you invested. Past performance is no guarantee of future results. If you are looking to get guidance or advice from a qualified financial advisor you can speak to one here https://getmost.typeform.com/damien

Risk calculators:
https://www.legalandgeneral.com/advis...
https://www.wesleyan.co.uk/protection...
https://pureprotect.co.uk/risk-calcul...

Key Sources Supporting the 80% Statistic
1. HSBC Life (2024): Found that cancer was the leading cause of critical illness claims at 65%, followed by heart attacks at 12%, and strokes at 6%. This totals 83%, again exceeding 80%. https://theintermediary.co.uk/2025/02...
2. Royal London (2014): Reported that cancer accounted for 65% of claims, heart attacks for 13%, and strokes for 6%, totaling 84%. https://theintermediary.co.uk/2025/02...

The podcast episode:    • What Would Happen If You Couldn't Work Tom...  

Timestamps:
00:00 - What are the chances
02:11 - Life
03:35 - Different types of Life
05:24 - Thing to consider
06:26 - How much cover?
07:21 - Critical illness
07:50 - what to look for
08:56 - Cost of CIC
09:22 - Income protection
10:43 - Cost of IP
11:07 - different types of policy
11:37 - Employer/LTD directors
11:57 - Who should you use?