Better Off, Dead or Alive? The impact of losing the breadwinner...

Time: 12:00 noon for 12.30 start.
Lunch: optional from 12.00 for £ 5.00 per head. Please advise if this is required when booking.
Speaker: Rob Carr - Head of Adviser Development, Royal London Intermediary

Sounds pretty harsh, doesn’t it? But for some families, the reality is that they may be in a better position financially if their breadwinner dies, than if they became seriously ill.
Recent Macmillan Cancer research shows that 57% of cancer survivors who were in work when diagnosed had to give up work or change their roles as a result of their diagnosis. The financial implications of that can be huge even before you take into account increased prescription costs, travel to medical appointments, hospital parking and a host of other increased costs.
Come and listen to Rob Carr talking about his own family’s experiences and how life could have been so different if his parents had taken out the right sort of protection. Learn what the State will provide to families traumatised by premature death or long-term illness and find out how modern protection products can be used creatively to help a family maintain its lifestyle.

Learning Objectives
By the end of this session, attendees will be able to describe:
-what happens in the aftermath of the death of a breadwinner
-what State benefits are available to people losing a spouse or civil partner
-what Statutory Sick Pay and Employment and Support Allowance provide to someone with a long-term illness or disability
-the statistics underlying the chances of dying or becoming seriously ill during your working lifetime
-what protection products people typically buy in the UK
-how a modern menu plan can provide a holistic protection solution even to those on a limited budget

Speaker Biography
Rob has worked in financial services for over 30 years. After spending the first 6 years in California as a life and health insurance underwriter, he returned to the UK and has filled marketing and sales roles ever since. For the last 14 years, he has been involved with adviser development and protection training for both Scottish Provident and Bright Grey. He has a reputation for delivering clear and entertaining training sessions.