• Practical Protection Podcast: THE Best Insurer

    In this episode I have discussed the things that different insurers offer, that stand out to me. So this is my opinion, based upon my experience of when a client has explained their circumstances and I have gone ‘ooooh, Insurer X will be perfect’. I’m not going into underwriting or every single thing that makes…

  • Practical Protection Podcast: Dementia

    This issue discusses arranging protection insurance for someone living with dementia. The very first thing that you need to do, in my opinion, is to consider the person as vulnerable, with partners and children being classed as potentially vulnerable. The next step is to check with your compliance and any other oversight, to determine what…

  • Talking Protection – Think Marathon Not Sprint

    In the latest AMI Protection Viewpoint report, only 39% of respondents recalled their broker asking about protection insurance, but 99% of brokers said they asked their clients about it

  • How Protection Builds Life Resilience

    Life is a lottery. One minute everything could be going your way, the next something crops up that blocks your path. The problem may be small, simple to solve and something you can easily overcome to get back on track.

  • The Rise of the Multi Job Worker

    Over the recent weeks and months, I’ve had several conversations with Advisers where they are struggling to explain how providers approach workers with more than one job. This is not a new issue but one that’s more prevalent today.

  • Cirencester Friendly’s 125 Foundation awards almost £60,000 to worthy causes in 2025

    Cirencester Friendly’s 125 Foundation, which provides financial support to the society’s Members, their communities and causes close to their hearts, paid out nearly £60,000 to over 100 recipients in 2025. The Foundation was set up in 2015 to mark the 125th anniversary of the society and has paid out more £300,000 since its inception. These…

  • Why Does the Protection Gap Still Exist?

    Thirty years ago there were 36 insurers offering both life and critical illness cover. While many have since disappeared through consolidation and acquisition, within eight years annual sales of critical illness policies exceeded one million – around double the volume seen in more recent years.So what has gone wrong?

  • Cirencester friendly introduces minimum benefit guarantee on income protection products

    Individual income protection specialists, Cirencester Friendly have introduced a minimum benefit guarantee of a maximum of £1,500 a month on their Income Assured and My Earnings income protection products. This is now available to both new and existing members on both products and available for all new claims.

  • Practical Protection Podcast: Think Outside the Box

    There are lots of ways to build protection recommendations, a lot of the time it’s straightforward, but sometimes getting creative is necessary. I would like to make sure I’m clear that being creative must still be compliance approved!

  • Bite-Size Claims with Cirencester Friendly – Episode 5

    Our support extends outside of claim. In this final video, we chat through the added-value benefits available to your client as part of their contract, and the support your client will receive whilst in claim with us.