Protecting Your Income & Family: Sick Pay, Life Cover & Insurance Explained

find your point

What cover you already have, what you actually need, and what the gap costs. Life, income, illness - plain English. 90 mins, £10.

The Tree House

Protection · Foundations — part of the find your point (fyp) autumn programme.This April the rules quietly changed: sick pay now starts on day one, and over a million lower-paid workers qualify for the first time - yet most payslips never announced it. But the floor is still a floor at around £123 a week. What carries you from there is a stack of protection most of us have never studied: what the law pays, what your employer already provides, what you might choose to buy, and what you can write for yourself. This session is designed to be your thorough audit - nothing sold, and everything explained in plain English.WHAT WE’LL WORK THROUGH:• The new sick-pay rules on your payslip - and the maternity, paternity and family floors beneath them• A typical employee handbook, read as the insurance contract it really is - occupational sick pay, death-in-service cover worth several times salary, and the one-minute nomination that decides who receives it• An unbiased look at the cover people buy - life cover, critical illness and income protection, matched to the risk at your stage of life, and what each typically costs• Who should own a policy - writing it into trust, a five-minute form most people have never heard of - and the utility of honesty: why being transparent with an insurer is the strategy that wins• A question to take home: the Lasting Power of Attorney - and why four in five adults haven’t made one• The interactive quiz to close - built to be argued with, then discussedIf you’re self-employed, or considering going out on your own, the map is different - and we treat your case properly, not as a footnote.Every find your point (fyp) session sits at one of three levels: Foundations - assumes no prior knowledge · Decisions - assumes the basics and focuses on weighing up the choices · Optimise - focuses on improving what you already have. This session is Foundations.WALK IN: never studied your own protection - nothing assumed, employed or self-employed, no previous session needed. WALK OUT: with the new sick-pay rules in your pocket, a checklist to run against your employee handbook, the questions to ask about your death-in-service cover, and your own cover matrix - started.Doors 18:15 · session 18:30–20:00, facilitator-led with questions welcome throughout, closing with the interactive quiz and Q&amp;A · Ten seats max. £10.

Led by Rahul - ex-Wall Street and City credit trader; FCA-registered investment adviser until 2009. find your point is a trading name of Kibo Integral Tech Limited (Co. No. 15322474). Generic financial education - not personal financial advice. Not yet authorised and regulated by the Financial Conduct Authority. Direct Authorisation in progress.Join the find your point WhatsApp community for upcoming session announcements, money education content and community updates.Join here: <a href="https://chat.whatsapp.com/GmN3ZWm8dvPGDiOcT2W2w9" title="https://chat.whatsapp.com/GmN3ZWm8dvPGDiOcT2W2w9" target="_blank" data-msys-clicktrack="0" rel="nofollow noopener noreferrer">https://chat.whatsapp.com/GmN3ZWm8dvPGDiOcT2W2w9</a>

Protecting Your Income & Family: Sick Pay, Life Cover & Insurance Explained

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