95. Women's Guide to Income Protection with Kathryn Knowles

Women & Money Cafe

We have the protection legend and guru, Kathryn Knowles, with us for this episode talking income protection. In under an hour Kathryn is going to share everything you need to know about this really vital (but not talked about) part of the protection puzzle.
Our favourite part? Kathryn's image of a cash machine in your front garden - which she is prepared to go to any lengths to protect - retinal image scans and baseball bats!
Areas Covered:
- Exclusions and changes in insurance policies
- Maternity leave and insurance coverage
- Impact of reduced hours on income protection eligibility
- Mental health and musculoskeletal conditions in income protection insurance
- Different premium options and their long-term costs
- Occupation-related factors affecting insurance rates
- Understanding income protection vs. unemployment cover
- Tailoring income protection policies to individual needs
- Difficulties in obtaining insurance and knowing the right questions to ask
- Occupational risk ratings and their implications for coverage
- Varying lengths and time limits for income protection coverage
- Assessing the impact of mental health on insurance decisions
Liked this? Check out Kathryn's first appearance on the podcast in episode 74 - Everything you need to know about life insurance.
Check out Kathryn's podcast (link below) where you'll find an answer to every question you might have about insurance. Really good resources if you have a specific health issue and you are wondering how insurers treat it.
GUEST EXPERT: Kathryn Knowles is a specialist adviser for personal, business and group life insurance, critical illness cover and income protection, within the UK and internationally. Kathryn produces videos and a podcast that are used within the insurance sector, by charities and the general public, as a way to educate about ways to access insurance.
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YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

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