Justin Harper

'Protection is sold, not bought'

Everybody’s talking about it, yet… we struggle to talk about it

Confirmation from DWP that lump-sum pay-outs will not be means-tested has 'implications for all types of protection insurance'

Those caring for children and older relatives are under financial strain, research finds

LV='s Justin Harper waxes lyrical about the virtues of income protection as a financial safety net for those facing mental health problems

Over three million working couples are classed as 'double income, no option' (DINOs), which means they are vulnerable to financial ruin if one of the two loses their earnings. LV='s Justin Harper discusses how we can better safeguard those at risk.