November 10, 2020
7 Families - meet Paul Norbert who was diagnosed with bipolar disorder

In 2014, the ground-breaking ‘Seven Families’ campaign was launched. The campaign provided financial support for one year to the breadwinners of seven families, who at the time, were unable to work through ill health, or as the result of an accident. It was backed by some of the biggest companies in the UK, and the charity Disability Rights UK and is still going strong today.

The families chosen are based in different parts of the country and are from various backgrounds.  However, all of them are experiencing the impacts of having a range of different health conditions and injuries.

7 Families – meet Paul Norbert who was diagnosed with bipolar disorder

In his mid-twenties, Paul Norbert was diagnosed with bipolar disorder—an often misconceived and vilified condition with far-reaching effects.

“Compared to other health problems bipolar and depression are still often affected by misunderstanding and stigma. It can affect every aspect of your life and your relationships,” Paul reiterates, “I want to be open and honest about the condition and help others who might be going through something similar. Many people don’t know what to say but just a few words of kindness can make a difference, even just asking how you are.”

Paul, now 44, was a driving instructor for many years but eventually succumbed to his bipolar diagnosis. He is working hard to get back on track and is especially grateful for the support of Seven Families.

Watch his story below:

Income Protection is there to do one thing only – provide a replacement income if you fall ill or suffer an injury and are unable to go to work.

How does Income Protection Insurance work?

It pays out a monthly benefit if you cannot work due to illness or injury. The benefit can be used to help pay monthly bills, replace income and/or cover mortgage payments. Most Income Protection policies will provide monthly tax-free payments* equivalent to between 50% and 65% of gross salary, although some companies will offer up to 70%. This cover does not typically include redundancy cover.

*The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

View the Norbert family timeline of events here

Our process and advice

All mainstream insurance providers have their own underwriting criteria.

All mainstream insurance providers have their own underwriting criteria.  At Future Proof, we also have access to specialist insurance companies who don’t deal directly with the public but offer more specialised policies, designed to provide cover where other major providers can’t.

Part of our research process involves contacting insurers to find out the best possible outcome for our clients, which avoids any nasty shocks later on during the underwriting process.

Would the insurer add a ‘loading’ to their standard premium? (this is an additional charge on top of their standard monthly premium to reflect their increased risk)

Choose to exclude certain conditions?

Might they decline the application? We want to avoid wasting time by making applications which may be declined.

Please feel free to talk to us confidentially about your individual case.

Every situation is unique and finding the right provider could save you thousands of pounds

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. We are committed to thorough research so that you don’t have to, and what’s more our advice comes with no obligation or hidden costs.  You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them.

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof

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Interested in related stories?

Jon’s moving story – being diagnosed with cancer.

How do insurers provide mental health support for their clients?

The protection industry pays out over £5.7bn in claims in 2019

What questions will an adviser ask me?

Will my claim be paid?

Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Take a look at our handy guides ‘What Cover is Right for me?’

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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