Christopher Tarn Protection Advisor

12/03/2026

10/03/2026

Here’s why it’s crucial to check your policy carefully:

✅ Number of Illnesses Covered: Some policies cover just 3 conditions, while others protect you against over 40!

✅ Cancer Coverage: Certain policies include cover for less advanced stages of cancer, while others don’t.

✅ Children’s Cover: Some policies offer children’s critical illness cover as standard, while others may not include it at all.

Every policy is different. Make sure you know exactly what you’re covered for to avoid surprises when you need support the most.

💬 Need help understanding your policy or finding the right one? Let’s talk - we’re here to guide you!

10/03/2026

💡 What is Income Protection?

Your biggest asset isn’t your house or your car — it’s your ability to earn an income.

Income protection is a type of insurance that pays you a regular monthly income if you can’t work due to illness or injury.

✅ Helps cover everyday expenses like:• Mortgage or rent• Bills and groceries• Childcare• Loan payments

Instead of a one-off payment, income protection provides ongoing monthly support until you recover, return to work, or reach the end of the policy term.

📊 In simple terms:If you can’t work, your income doesn’t stop completely.

Because life doesn’t stop when your income does.

13/02/2026

🔧 What If You’re Off the Tools Tomorrow?

Tradespeople rarely plan to get injured — but it happens more often than people think.

A short-term illness or injury can stop you working for months, not weeks.
During that time, your mortgage, bills and commitments don’t stop.

Income protection for trades can pay up to 70% of your gross income if you’re unable to work — even when the issue isn’t permanent.

✔ Designed for trades
✔ Covers illness and injury
✔ Protects your income, not just your job

Please get in touch with me if you would like to make an appointment 📆🤝

02/02/2026

Thinking of taking out life insurance online? It’s not always as simple as it looks 🤔

Online forms can’t spot gaps in your cover, understand the medical questions, explain the small print, or make sure the policy actually fits your needs. A qualified adviser can.

At A and R, we’ll assess your situation properly, recommend the right level of protection, and make sure you’re not paying for something that won’t pay out when you need it most.

Life insurance is too important to leave to guesswork — get expert advice and get it right first time 🙌

26/01/2026

This is such a huge part of sick pay you need to be aware of and think about 💯

Statutory Sick Pay vs Income Protection — the difference is bigger than you think.

Statutory Sick Pay (SSP) in the UK is just £118.75 per week— that’s around £16.96 per day. And it only lasts for up to 28 weeks. For most people, that barely covers the basics, let alone rent, mortgages, bills, or family life.

Income Protection, on the other hand, can replace a meaningful portion of your income for as long as your policy is designed to pay out — giving you stability, control, and real peace of mind.
If illness or injury stopped your income tomorrow, which safety net would you rather fall back on?

21/01/2026

20/01/2026

When you’re a sole trader, you are the business.... so what happens if you can’t work? ⁉️

Income protection can keep your finances steady if illness or injury stops you from earning. It covers essential bills, protects your lifestyle, and gives you the confidence that your business (and your household) won’t grind to a halt. When your income depends on you, having a safety net isn’t a luxury, it’s essential peace of mind.

If you are interested in this type of cover, please drop a message in my inbox ! 📲

14/01/2026

Please watch this video- it’s absolutely worth it. A product which can get you treatment anywhere in the world for illnesses such as cancer.

10/01/2026

If something happens to you, will your family be financially protected?
Life cover isn’t about fear — it’s about love and responsibility ❤️

👉 Please Follow my Instagram page for expert advice on protecting what matters most 🙂

239 Followers, 409 Following, 19 Posts - See Instagram photos and videos from Chris Tarn - Protection Adviser ()

10/01/2026

Life moves fast — your critical illness cover should keep up. Whether you’ve changed jobs, taken on a mortgage, started a family, or just haven’t checked your policy in years, a quick review can make all the difference. The right cover can protect your finances when you need it most, but outdated cover might leave gaps you didn’t expect. A simple review today could save a lot of stress tomorrow.