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1 P rotectio BULLETIN New ewsletter! Persoalised Protectio Newsletter Logo ad/or photo would go here (compliace checked by the Networks) - Geerate more value from each cliet - Protect yourself by flaggig Protectio Your details go top ad bottom of page ad logo ad/or photo could be i top rh corer From (Your ame here) Autum/Witer 2015 Get PROTECTED! Life cover Desiged to provide a lump sum payout should oe of the isured die Whole issue ca also be coloured up to reflect your corporate colours Critical Illess Set up to pay out a lump sum if you suffered a heart attack, cacer or stroke (if specified i the policy) Family Icome Beefit Popular product for families with youg childre Icome Protectio PDF versio for 75+vat, or Prited versio from 249+vat for 200 copies This is desiged to pay out a mothly icome if you re uable to work through illess or ijury (the 60+vat per 100 up to 1,000 copies, whe bigger discouts kick i) Your ame here Your address here Tel: xxxx xxxxxx Web: To order the ewsletter, or to fid out more, cotact Russell Lewis at BlueStoe Publishig Ltd Tel: Web: Copyright remais with BlueStoe Publishig Ltd Uder o circumstaces ca this copy ad/or layout be used i ay other commuicatios activity without prior permissio from BlueStoe Publishig. (Your ame here) is (a appoited represetative of xxxxxxx), which is authorised ad regulated by the Fiacial Coduct Authority.

2 CRITICAL ILLNESS 02»The likelihood of survivig a serious illess will luckily cotiue to improve as medical kow-how further develops - but your good fortue, could create fiacial problems too! For example, aroud 188,000 people have a heart attack each year, with 7 out of 10 survivig. Also, half of the people diagosed with cacer ow survive their disease for at least te years! (Sources: British Heart Foudatio, August 2015, Cacer Research UK website, September 2015) Fortuately, a specific product exists to cover a wide rage of serious illesses - Critical Illess cover (although ot all forms TIME to recover 92% of all Critical Illess claims paid out i Average payout of 67,000. (Source: Associatio of British Isurers, August 2015 release) What would happe if you suffered a serious illess, such as a heart attack, cacer or stroke ad survived - ad were the, uderstadably, uable to swiftly retur to work? of cacer ad heart disease are covered by a critical illess policy). This is desiged to pay out a lump sum (if the coditio was specified i your policy, ad you survive geerally for 30 days from the date of diagosis); thereby easig a lot of the immediate fiacial worries. Ad do t thik that this is oly of cocer if you re much older. The average age of critical illess claimats from oe isurer, for example, was 45! (Source: Legal & Geeral claims statistics, 2014) Of course, if you re employed, you may have the buffer of a period of disability cover as a employee beefit. After that, you would have to fall back o State beefits of limited value. You are eve more vulerable if you are self-employed. No Adviser persoalisatio Focus o recovery If you suffered a critical illess, surely it would help to focus all your eergies o recovery, without the additioal worry about your fiaces? You ca decide the level of cover you require at the outset, should you eed to claim. Perhaps you may wat to have eough to pay off the mortgage, or alteratively you may decide to opt for less cover (meaig a lower premium too), but still have eough to see you through the iitial couple of years as you recover. Critical illess cover ca be take as a stad-aloe policy, or as a bolt-o to a life assurace pla. The policies may vary with regard to the illesses covered, so it helps to take advice. As with all isurace policies, terms, coditios ad exclusios will apply. 99.5% of all Life LIFE COVER»I the same way that you ll isure your car, pet ad mobile, make sure you ve applied the same priciples to you ad your immediate family. I this issue, we set out elsewhere that there are umerous protectio products o offer to help provide cover should you be uable to do your job due to a accidet, or have a log-term or life-threateig illess. Of course, you may recover from the above, retur to work ad get your fiaces back o track. But what if you die? There s o secod chace! Whilst medical kow-how meas that we re ow livig loger i geeral, the worst could still happe at ay time. That s why you should cosider havig a elemet of Life Cover i place. This is geerally set up to esure that the mortgage ca be paid off. to this page - uless you require a more bespoke set-up It s your LIFE... Copyright remais with BlueStoe Publishig Ltd Uder o circumstaces ca this copy ad/or layout be used i ay other commuicatios activity without prior permissio from BlueStoe Publishig. Ideally you may wat to exceed that amout to also make sure that there are some fuds available for those left behid, eablig them to get through a difficult emotioal ad fiacial period as pailessly as possible. That is why it s vital that you (ad your parter) have some life cover (perhaps a joit life policy), ad it may be cheaper tha you thik. Of course you eed to check the level, if ay, of a death i service beefit that may be i place through the employer, ad iclude that as part of your sums. There are various types of life cover, so do talk to us ad we ll take you through the optios. Trusts Whe you do set up life cover, cosider placig the policy i trust, as it may help claims paid out i Average payout of 61,000 (term), 7,500 (whole of life). (Source: Associatio of British Isurers, August 2015 release) esure that the proceeds are paid out speedily to the beeficiaries. Or, it could potetially eable you to rig-fece ay payouts to help reduce a future Iheritace Tax liability. Do talk to us to fid out more. As with all isurace policies, terms, coditios ad exclusios will apply. The Fiacial Coduct Authority does ot regulate Taxatio or Trust advice.

3 93% of all Idividual Icome Protectio claims paid out i Oe i 10 of us will face a period of sickess absece of more tha six moths durig our workig lives. Whilst you may have life cover i place, how would you (or the family) cope if a wage earer was off work for a log period of time? (Source: Demos survey, April 2013) Ca t work! Average payout over time of 39,000. (Source: Associatio of British Isurers, August 2015 release) 03 INCOME PROTECTION»To put that oe i 10 figure ito perspective, the odds of wiig the Lottery are aroud oe i 14 millio! Yet may of us thik that this may occur! So, assumig your umbers do t come up, perhaps you should cosider how you d fud your lifestyle if you were off work for a exteded period, ad establish if you would you be able to maage fiacially? Of course, may people may assume that it s oly somethig like a bout of flu that will keep them away from work. Yet, accordig to research from LV=, flu oly accouts for 10 days lost across a workig life. It s stress ad depressio (81 days) ad a bad back (57 days) that have the greatest impact. (Source: LV= Natioal Sickess Report, October 2013) Icome Protectio Oe route is to take out a Icome Protectio policy. This product is desiged to pay out a tax-free mothly sum i the evet that you are uable to work due to illess or ijury. It pays out util you ca start workig agai, or, i some cases, util you retire. Each policy will have differet coditios, such as cover choices agaist ot beig able to work i your ow occupatio, or ay occupatio, ad you would obviously eed to disclose ay pre-existig medical issues. First though, you d have to do the maths ad establish if you would just receive the Statutory Sick Pay of a week (paid for up to 28 weeks, if you qualify), or if there are additioal beefits from your employer or the state. Oce you ve got a idea of this icome stream, you ca the decide whe you d like your icome protectio cover to kick-i (called the deferred period). The loger you wait the cheaper the premium will be. Do be sesible about how much you require util you re able to retur to work (or have retired). I the same way you would t eed a payout commesurate with buyig a ew house if the kitche floods, your potetial payout via a icome protectio policy should be calculated i a similar way (up to a maximum amout). Ad agai, the less you eed, the lower the premium. But do cosider as part of that process that the same LV= research showed that almost a quarter of respodets said that their savigs would actually ru dry after No Adviser persoalisatio to this page - uless you require a more bespoke set-up just two moths of tryig to bridge ay icome gap. Icome Protectio is a complex product, with a vast array of optios, so it s essetial that you take advice. Do get i touch if you d like to fid out more. If you take out a icome protectio policy ad stop payig premiums you wo t get ay moey back ad you ll o loger be covered. As with all isurace policies, terms, coditios ad exclusios will apply. Fidig the extra pouds You might feel you re already stretched to the limit to fid the moey to pay for protectio. However, it may be easier tha you thik whe you cosider all those little items we may take for grated, like the odd drik or a magazie. I fact, you might be surprised to fid out how quickly it all adds up. Copyright remais with BlueStoe Publishig Ltd Uder o circumstaces ca this copy ad/or layout be used i ay other commuicatios activity without prior permissio from BlueStoe Publishig. Treats Cost/uit (est.) Soft drik 1.00 Sack 1.00 Magazie 1.75 Coffee 2.50 Pit of beer or lager 3.50 Glass of wie (175ml) 3.50 Taxi 5.00 Cigarettes (pack of 20) 7.00 Take-away meal 7.00 Total = For example, if you cut out just oe uit each week of the above items, the you could save aroud 140 across a moth. I may cases, that ll be more tha you eed to cover the cost of your protectio policy. We do t expect you to give up all of life s little luxuries. But, by keepig a eye o your spedig, you could afford to set aside a little extra to improve your fiacial security.

4 FAMILY INCOME BENEFIT 04 FAMILY Protect the I spite of healthier lifestyles ad improvig medical kow-how, o average, almost 47 adults, aged 18-44, die every day. (Source: Office for Natioal Statistics, 2013 UK figures)»if the uthikable happeed ad the breadwier died, would the family be able to cope fiacially, quite apart from the emotioal turmoil? It s possible that there may be life cover i place to help pay off the mortgage. But what if the parter left behid has childre ad eeds to provide for everyday items such as food, clothes, utility bills, childcare, or other expeses like holidays ad birthdays? If you thik this may ot add up to much, the cosider the fidigs from a LV= survey that looked at the cost of raisig a child to the age of 21. This stads at over 229,000 - equatig to more tha 200 per week! It s a pretty soberig figure should a icome stream ed due to a utimely death. (Source: LV=, Cost of a Child report, Jauary 2015) Family Icome Beefit If you re a paret with childre, the it may make sese to have i place a specific pla to help meet the eeds of the childre, i additio to ay geeral life cover you may have. I which case, Family Icome Beefit may be oe of the better value protectio plas o offer. Rather tha deliverig a lump sum should you die, it provides a regular, tax-free, mothly (or aual) paymet for the depedats - from the time of the claim to the ed of the pla term. That s why it s well-suited to those with youg families, as the idea is that it should be arraged to pay out util the childre have grow up, so it s ofte take out over a 10 to 20-year term, or whatever is appropriate i your circumstaces. Although, please ote that this type of policy has o cash-i value at ay stage. How it works If you require a more bespoke set-up, please get i touch Say you took out a 20-year term, which was set up to pay out 20,000/year ad it was claimed agaist after oe year, the the family would receive 20,000/year for the ext 19 years, equatig to a total payout of 380,000 (if there was o idex-likig). However, if for the same pla, there was t a claim util 18 years ito the policy term, the total payout would be 40,000. Ad if, fortuately, there was o claim at all withi the 20-year period, the the policy simply rus the whole term without ay payout. Cosequetly, the resultig lower premium cost (because the potetial payout decreases the further through the policy you get), could make the differece betwee you beig able to afford the isurace or ot. Why ot talk to us to fid out more. Copyright remais with BlueStoe Publishig Ltd Uder o circumstaces ca this copy ad/or layout be used i ay other commuicatios activity without prior permissio from BlueStoe Publishig. As with all isurace policies, terms, coditios ad exclusios will apply. 7 FAMILIES CHARITY-LED CAMPAIGN Hopefully, this issue will give you a better feel for the protectio products that may meet your eeds. If you eed further covicig, why ot take a look at the 7 Families campaig which has bee set up to assist seve families who have lost their mai icome through a serious or log-term illess or disability, ad did t have ay fiacial support i place. This charity-led iitiative delivers fiacial support for a year ad it s partly bee set-up to demostrate the eed for people to pla fiacially. You ca fid out more at: The cotets of this ewsletter are believed to be correct at the date of publicatio (October 2015). Every care is take that the iformatio i the Protectio Bulleti is accurate at the time of goig to press. However, all iformatio ad figures are subject to chage ad you should always make equiries ad check details ad, where ecessary, seek legal advice before eterig ito ay trasactio. HM Reveue & Customs practice ad the law relatig to taxatio are complex ad subject to idividual circumstaces ad chages which caot be foresee. The iformatio i this ewsletter is of a geeral ature. You should seek professioal advice tailored to your eeds ad circumstaces before makig ay decisios. Published by BlueStoe Publishig. Copyright: BlueStoe Publishig Limited PB1 Please cotact us if you d like to discuss your protectio eeds: Tel: xxxxx xxxxxx Web:

5 Protectio Bulleti - Order Form Please sca completed form ad to: OR order olie; Electroic versio The PDF file will be set as oe documet, split ito 4 sigle A4 colour pages, with your persoalisatio details o the frot cover ad back page. File is ok for pritig off o office priters, ig to cliets or likig to ow website. You are ot allowed to sed this file to exteral priters, as it s both a breach of copyright ad file is oly 10% of required size. Cost: Oly 75+vat each. Prited versio This will be i a 4 page, A4, full colour format with your persoalisatio details* o the frot cover ad back page. Cost: Just 249+vat, based o a miimum prit ru of 200 copies ad icludes bulk delivery to oe UK address. There would be a ru-o cost of 60 per 100 extra copies+vat (e.g. 249+vat for 200 copies ad 309+vat for 300 copies). If you take both the Electroic ad Prited versios It s half price for the electroic versio. More tailored editorial versios A corporate colour up of all 4 pages to reflect your logo colours ad brad idetity adds 30+vat for the PDF file, ad 70 if takig the prited copies (due to the dedicated prit set-up) * Colour logo costs 50 extra for the prited versio. I wish to subscribe to the ewsletter Electroic versio (basic PDF) Prited versio Electroic ad Prited versio Copies required (miimum 200) More tailored editorial I am orderig over 1,000 copies, please cotact me about discouts I would like to iclude our logo/photo I would like to have it coloured-up to reflect our logo My persoalisatio details are (please prit all applicable details): Busiess ad/or Cotact ame ****All issues are Compliace checked by the etworks**** Address Tel Mobile Website Status: Directly Authorised Itroducer AR Network I uderstad that I will be ivoiced (price will be cofirmed o receipt of bookig form) Prit ame Sigature Date Forms are received by the publisher of the ewsletter Tel: BSP DB 10/15

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