Broadbench

Before cutting NHS sessions, gather written sick pay confirmation, private income records and policy wording. Our checklist helps you prepare a focused protection review. Eligibility and policy terms apply. bit.ly/3UCEVkq #IncomeProtection

Family changed? Review your Relevant Life cover amount, trustees and recorded wishes. A nomination is not a guaranteed allocation. Ask your adviser about cover and a solicitor about legal trust changes. bit.ly/4izIEr0 #RelevantLife

Reducing NHS sessions to grow private work? NHS contractual sick pay is not cover for private earnings. Review your income protection before the change. Eligibility and policy terms apply. bit.ly/4BBlzwN #IncomeProtection

CLINICIANS, TWO DIFFERENT BENEFITS Critical illness cover may pay a lump sum for a defined condition; income protection may pay regularly for incapacity. Definitions, underwriting, exclusions and terms apply. eu1.hubs.ly/H0z4wd30 #Clinicians

RETURNING TO LOCUM WORK? Plan session gaps with cash and income evidence. Review cover for illness or injury, its deferred period and definitions. Eligibility, underwriting, limits and terms apply. eu1.hubs.ly/H0z4vLN0 #LocumDoctors

A CLEAR EVIDENCE PACK HELPS Explain current income and changes early. Lender criteria and affordability differ, and an application is not approval. eu1.hubs.ly/H0z4t-80 Your home may be repossessed if you do not keep up repayments on your mortgage. #MortgageAdvice

PERSONAL GUARANTEES NEED A YEARLY CHECK List signed terms, current borrowing, release wording and papers. Any protection review sits beside legal paperwork. Cover is subject to eligibility, underwriting, limits and terms. eu1.hubs.ly/H0z4txG0 #Directors

TWO DECISIONS, TWO EVIDENCE PACKS Keep practice and home move evidence separate. Tell your adviser about relevant commitments. Lenders assess affordability. eu1.hubs.ly/H0z4rWm0 Your home may be repossessed if you do not keep up repayments on your mortgage. #Dentists

LIMITED COMPANY CONTRACTOR? Relevant Life may fund life cover for an eligible employee or director, with benefits through a trust for their beneficiaries. Eligibility, underwriting, tax treatment and terms apply. bit.ly/3UlxYEp #RelevantLife

BUSINESS VALUE CHANGED? Review share valuations, agreements and cover together. Shareholder Protection may fund a purchase after a covered event; it does not transfer shares itself. Terms, underwriting and legal advice matter. bit.ly/47SbOfY #BusinessOwners

RENEWED? CHECK THE WAIT Income protection is for illness or injury, not contract gaps. Compare accessible savings and any sick pay with the deferred period. Benefits, earnings evidence and claim terms vary. bit.ly/4hWnsLH #Contractors

GP PARTNER DRAWINGS HAVE CHANGED? Review accessible cash, any sick pay and the deferred period. Do not assume drawings or private work are all insured earnings. Eligibility, underwriting, definitions, limits and terms apply. bit.ly/47oxj87 #GPPartners

COMPANY CHANGE? PREPARE THE MORTGAGE STORY Put dates, income and records in a clear timeline. Lender criteria vary. bit.ly/4BbRynk Your home may be repossessed if you do not keep up repayments on your mortgage. #BusinessOwners

Some lenders assess contractor affordability using annualised contract value rather than salary alone, subject to criteria. eu1.hubs.ly/H0ytBPJ0 #ContractorMortgage Your home may be repossessed if you do not keep up repayments on your mortgage.

Myth: Company-paid life cover is only for large employers. Relevant Life may let an eligible limited company fund life cover for a director or employee. Eligibility and tax treatment depend on the policy and circumstances. eu1.hubs.ly/H0ytBvf0 #RelevantLife

Directors are often paid through salary and dividends. Does your protection reflect both? Executive Income Protection may cover a broader mix of remuneration, subject to eligibility, limits and insurer terms. bit.ly/4y6bfuv #IncomeProtection

Shareholder protection works best when funding and the agreement work together. The policy may provide funds; the agreement helps set out how shares can be transferred. Structure and tax treatment depend on circumstances. bit.ly/4jeF9rY #SuccessionPlanning

If one person holds the client relationships, specialist knowledge or revenue pipeline, their absence can become a business risk. Key Person Insurance may provide funds to help stabilise operations after a valid claim. bit.ly/4ycq5Qu #BusinessProtection

If you answered no to any of these, it might be time to review your safety net. Have a great evening.

4/ Do you know the conditions, severity definitions and exclusions in your critical illness policy? 5/ Have you spoken to a specialist broker who understands day rates and company income?