{"id":72545,"date":"2021-02-09T13:19:55","date_gmt":"2021-02-09T13:19:55","guid":{"rendered":"https:\/\/www.templewealth.co.uk\/?p=72545"},"modified":"2021-03-23T14:10:02","modified_gmt":"2021-03-23T14:10:02","slug":"protection-2021","status":"publish","type":"post","link":"https:\/\/www.templewealth.co.uk\/protection-2021\/","title":{"rendered":"New Year, New Protection Needs?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.templewealth.co.uk\/wp-content\/uploads\/2021\/02\/2021-square-2-1024x1024.jpg\" alt=\"\" class=\"wp-image-72546\" width=\"600\" height=\"600\"\/><\/figure><\/div>\n\n\n\n<p>With 2020 behind us and a new year ahead, now is a great time to re-evaluate your protection needs. If last year taught us anything, it\u2019s to prepare for the unexpected.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>This time last year, no one would have predicted what was about to happen.<\/p>\n\n\n\n<p>If you could\u2019ve had a Mystic Meg moment and seen the future, would you have put some extra protection in place? Probably. You may have benefitted from income protection, critical illness cover or even just the peace of mind these policies can bring. Or you may have already had protection but would\u2019ve appreciated more.<\/p>\n\n\n\n<p>So, lesson learnt, you want to have the best cover for you in 2021 but how can you do that? A good starting point is to look at how your life has changed since you last considered protection. For example, if you\u2019ve changed jobs there might be different risks or perks associated with your new position. As a result, you might want to change your sum assured (A.K.A. how much the policy could pay out). There is also cover for specific professions, such as \u2018needlestick\u2019 cover for healthcare workers. Now is the time to check your protection is suited to your job. Or, better yet, ask your adviser and they will investigate for you.<\/p>\n\n\n\n<p>Changes to your domestic life might also spark different protection needs. For example, if you are one of the thousands with a lockdown baby (human or fur), you might want protection that will help provide for your loved one if you can\u2019t work. Or, you might want to re-evaluate your contents insurance to make sure that shiny, 4K TV balanced on a non-toddler-or- puppy-proof cabinet is covered. A new family member takes up time and energy, so talk to your adviser and they\u2019ll do the hard work for you.<\/p>\n\n\n\n<p>Finally, 2021 is bringing changes to general insurance (that includes things like home and car insurance, if you don\u2019t speak fluent protection lingo). This year, new regulation is being introduced to stop insurance companies tempting you in with a too-good-to-be-true introductory price, which then skyrockets on renewal. As a result, scouring comparison sites each year to get that introductory deal might not be the best tactic anymore. It could be the case that a GI protection adviser might have access to options you can\u2019t get elsewhere.<\/p>\n\n\n\n<p>You probably want to leave a lot of 2020 behind (hands up anyone who never wants to do another Zoom quiz?) but the lessons it taught us about planning for the unexpected are ones to carry into the future.<\/p>\n\n\n\n<p>Talk to your adviser today and ensure your protection is prepared for the year ahead.<\/p>\n\n\n\n<p class=\"has-text-color has-background\" style=\"background-color:#41413d;color:#9f9162\">If you\u2019d like to discuss your protection needs, contact Temple Wealth Management today on 01329 282882. You can also send us a message on our <a href=\"http:\/\/www.facebook.com\/templewm\">Facebook<\/a> or <a href=\"https:\/\/www.templewealth.co.uk\/contact-us\">Contact Us<\/a> page.<\/p>\n\n\n\n<p class=\"has-text-align-center\">Life Assurance plans typically have no cash in value at any time.<br>Cover will cease at the end of term.<br>If premiums stop, then cover will lapse.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With 2020 behind us and a new year ahead, now is a great time to re-evaluate your protection needs. If last year taught us anything, it\u2019s to prepare for the unexpected.<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New Year, New Protection Needs? - Temple Wealth<\/title>\n<meta name=\"description\" content=\"With 2020 behind us and a new year ahead, now is a great time to re-evaluate your protection needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.templewealth.co.uk\/protection-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Year, New Protection Needs? - Temple Wealth\" \/>\n<meta property=\"og:description\" content=\"With 2020 behind us and a new year ahead, now is a great time to re-evaluate your protection needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.templewealth.co.uk\/protection-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Temple Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2021-02-09T13:19:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-23T14:10:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.templewealth.co.uk\/wp-content\/uploads\/2021\/02\/2021-square-2-1024x1024.jpg\" \/>\n<meta name=\"author\" content=\"Temple Wealth\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Temple Wealth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.templewealth.co.uk\/protection-2021\/\",\"url\":\"https:\/\/www.templewealth.co.uk\/protection-2021\/\",\"name\":\"New Year, New Protection Needs? 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