AberHelp Ltd - personal insurance specialists

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AberHelp Ltd - personal insurance specialists

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At AberHelp Ltd we can offer you a protection portfolio tailored to your needs. Get in touch with our adviser, Pawel Glowacki (07971500900).

We offer evening and weekend appointments, as well as home visits. AberHelp Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

30/10/2026

A big salary isn't a safety net.

New Vitality research (Opinium survey of 2,000 UK adults, August 2026) looked at people earning over £100,000. Two in five (40%) said they wouldn't feel financially prepared if illness forced them to stop working. Only 41% had income protection in place, and 44% said they couldn't cover essential expenses for more than six months if their income stopped.

Higher earners often have bigger mortgages and family costs, all built around that income. A simple check can help:

🏠 How many months could your savings cover the mortgage and bills?
💼 What does your employer sick pay actually pay, and for how long?

Income protection can pay a regular monthly income if illness or injury stops you working.

If you'd like to talk it through, AberHelp Ltd offers a no obligation protection review. Just send us a message.

Sources: Vitality, The Intermediary (Oct 2026).

AberHelp Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

29/10/2026

The Budget didn't change your sick pay. So what would actually pay your bills?

The 28 October Budget had very little in it for protection. There was nothing new on income protection, and the big welfare reforms are on hold until two government reviews report. Industry voices called it a missed opportunity.

In other words, the safety net for time off sick looks the same as it did last week.

If you're self-employed, that matters even more. You usually get no Statutory Sick Pay at all. The new paid paternity leave for self-employed dads and partners, expected from April 2029, is welcome, but it won't help if illness stops you working.

Income protection can pay you a regular monthly income if you can't work because of illness or injury, so the mortgage, rent and bills still get paid.

If you'd like a no obligation review of what you'd have to fall back on, get in touch with AberHelp Ltd.

Sources: COVER, IFA Magazine, The Guardian (Oct 2026).

AberHelp Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Life insurance in 15 seconds, explained by Bolek 👋 Questions? Message AberHelp Ltd.

27/10/2026

More people may be living with cancer for longer. Is your protection ready for that?

Swiss Re's Future of Cancer and Insurance report projects that UK death rates for five major cancers (breast, colorectal, lung, pancreatic and prostate) could fall by 14% to 36% by 2043. That is a projection, not a promise, and not everyone will have that outcome.

Swiss Re also says an ageing population and better survival mean more people will be diagnosed with cancer and live with it for longer. That could mean fewer life insurance claims, but more critical illness and other health related claims, including from cancer coming back or a second cancer.

So protection is not only about life cover. Critical illness and income protection matter too. If you were seriously ill but expected to recover, what would happen to your income and your bills?

At AberHelp Ltd, a real person will talk it through with you at your pace. Message us for a no obligation chat with Pawel.

Sources: Swiss Re, The future of cancer and insurance: a 20-year outlook (swissre.com/reinsurance/insights/the-future-of-cancer-mortality.html) and COVER Magazine, 22 Oct 2026 (covermagazine.co.uk/news/4537745/rising-cancer-incidence-increases-protection-complexity-swiss)

26/10/2026

Time off sick is common, and often longer than we expect. 45.2% of GP fit notes issued from April to June 2026 covered five weeks or more (NHS England Digital).

Employed with a mortgage? Have a think about whether statutory sick pay would cover your bills for that long.
Self-employed? You usually won't get sick pay at all.

Income protection can help you plan for this. Fancy a no obligation chat? Message AberHelp Ltd any time.

24/10/2026

Meet Bolek 👋 Pawel's social media pal, here to explain insurance in plain English. Follow along!

24/10/2026

Our new website is live! 🎉 Have a look at aberhelp.co.uk
We'd love your honest feedback, so drop a comment or send us a message.
Any questions, AberHelp Ltd is happy to help, with no obligation.

23/10/2026

Got diabetes or high blood pressure? Many people assume that means no cover, so they never ask. The latest data suggests it's worth asking.

UnderwriteMe's Protection Platform Pulse Report 2026 compared 2024 with 2025 and the first half of 2026. The share of applicants getting an immediate life cover decision rose for some of the most common health conditions:

• Diabetes: from up to 71% to up to 84%
• Raised blood pressure: from up to 87% to up to 95%
• Cholesterol: from up to 80% to up to 91%
• Depression, anxiety or stress: from up to 90% to as high as 99%

UnderwriteMe also found income protection's share of applications rose from 10% to 12%, and 66% of income protection applications went straight through to a decision in the first half of 2026.

Yet in UnderwriteMe's survey of 2,000 UK adults, only 21% knew that many people with these conditions can now get an immediate decision. And 38% believe a diagnosis makes a decline more likely.

One thing to be clear on: an instant decision is not the same as guaranteed cover. It can still mean an exclusion, a higher premium or a decline. Every application is different, and the outcome and price depend on your own health and circumstances.

So rather than assume, talk it through. At AberHelp Ltd, Pawel can explain how insurers look at health conditions and what to expect when you apply. Message us for a no obligation chat with Pawel.

Sources: UnderwriteMe Protection Platform Pulse Report 2026, via IFA Magazine and COVER Magazine, October 2026.

23/10/2026

Got rated on your weight? Some cover can now come back down if your health improves. Here's how it works. 💚

When you apply for life cover, a higher BMI can mean a "loading", which is an extra amount added to your premium. According to Vitality, BMI makes up around 75% of the loadings on VitalityLife plans.

On 15 October, VitalityLife launched a new Dynamic Underwriting Benefit for people in this position:

✅ You get a personalised BMI target, checked at an annual Vitality Healthcheck included with the plan for the first three years.
✅ In each of the first three years, if you hit your target and reach at least Silver Vitality status, you can earn cashback of one to three months' premium, depending on your status.
✅ Hit your target in all three years and your premium is reviewed automatically, with no need to be re-underwritten. Any reduction then lasts for the life of the plan.

The important small print:
• It's only for new VitalityLife Personal Protection Plans, so existing plans aren't covered.
• You need to be 18 or over, with a minimum premium of £25 a month and a loading due to a higher BMI.
• It only applies to the part of your cover that carries the BMI loading.
• A Serious Illness Cover or Income Protection claim in the first three years ends eligibility.
• A premium reduction isn't guaranteed, and taking part is optional. Terms and conditions apply.

This is a summary, not advice. Whether it suits you depends on your circumstances.

If you've been rated on your weight in the past and want to understand your options, message AberHelp Ltd for a no obligation chat with Pawel.

22/10/2026

ChatGPT can explain income protection. It can't be held accountable if the advice is wrong.

On 19 October, Jessica Rusu, chief data, information and intelligence officer at the Financial Conduct Authority (FCA), asked AI providers such as ChatGPT, Gemini and Claude to add clear disclaimers so people understand the limits of the financial information and advice their tools give. She warned that AI is blurring the line between regulated and unregulated advice. The FCA says only 40% of consumers realise they have no recourse if something goes wrong after acting on advice from a general-purpose AI tool.

She also told regulated firms that use AI to have human oversight, senior-manager accountability and incident reporting in place.

AI can be a handy way to learn the basics. But protecting your income, your home or your family is personal, and it helps to talk it through with a real person.

At AberHelp Ltd, that person is Pawel. He listens to your situation, explains your options in plain English, stays with you after your cover starts, and helps when it comes to making a claim.

If you'd like to talk it through, message us for a no obligation chat with Pawel.

AberHelp Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Sources: FCA speech, 19 Oct 2026; Money Marketing, 19 Oct 2026.

Address

37 Dee Street
Aberdeen
AB116DY

Telephone

+447971500900

Website

https://aberhelp.co.uk/

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