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The Truth Behind Our 1-Star Review

On this and many other platforms companies like to promote their 100% 5-star (Questionable) rating on which ever system they subscribe to. 

We thought we would do the same, so here is a 1 star review we received last year, and, in the following article, we’ll explain why, in our opinion, its wrong!

In today’s age of instant gratification, you want a new car, order it today and it arrives within the week, new TV, we’re primed for it to arrive tomorrow if you order before 8pm. Weekly food shop, it’ll be there in 20 mins, whoosh.

Every day we as a company are told, “If I want life insurance, I go and buy it” and with websites like Comparison Wizard that’s more than possible. However, there is an old saying in financial services “protection is sold not bought” and that has never been more accurate than it is today!

According to a recent report by Beagle Street

  • One third of young adults (29%) have never heard of critical illness cover, and over half (53%) don’t know what it is for

  • Four in five (79%) may or would definitely consider taking out cover once they understand the product.

  • Almost three quarters (73%) of 18–40-year-olds don’t have critical illness cover.

According to Cancer Research.

  • From 2016 to 2018 there were 375,400 new cases of cancer in the UK

  • From 2017 to 2019 there were 167,142 deaths from cancer

  • 38% of cancer are preventable.

  • In 2010/11 50% survived cancer for more than 10 years

When you consider half of all the people reading this article will be diagnosed with cancer in their lifetime and there is a new diagnosis of cancer every 90 seconds in the UK, but 29% of young people have never heard of critical illness cover and 53% don’t know what it’s for.

Since the Covid Pandemic the number of people with income protection plans has risen because at this point, we became acutely aware of what we were entitled to as employees or not.

Statistics from a report compiled by the Department for Work and Pension points out.

The majority of employers paid some form of sick pay to their employees (82%). A greater number of large employers paid above Statutory Sick Pay (SSP) than smaller ones. Where employers have a sick pay (occupational) scheme, this offers employees more than SSP.

  • half of employers paid SSP only (54%), 28% paid above SSP, 13% did not provide any form of sick pay and 5% did not know. Micro employers were more likely than other employers to not offer sick pay (17%). Employers also explained in the qualitative interviews that they did not pay sick pay to employees on certain types of contracts, including those on zero hours or temporary contracts.

  • paying only SSP was more common amongst small (55%) than large employers (16%), those in Distribution, Hotels and Restaurants (62%), as well as among employers who did not provide OH services (58%). Employers cited cost as the main reason for paying only SSP in the qualitative interviews.

The self-employed fall in the bracket of no cover unless they source it themselves.

This is why we as a company truly believe protection insurance is sold and not bought. The vast majority don’t know what it’s for.


So, that it where companies like TLD Wealth Management Ltd come to the front, our advisers are qualified to advise and help explain what these policies do and more importantly don’t do. They are here to help our clients with all and any questions they may have.

As with any organisation you speak to over the phone always check them out thoroughly, if its Financial Services the best place to look is the FCA register, If the company doesn’t appear than be very wary.

If are receiving too many calls and find them a nuisance, then go to and register your number with the Telephone Preference Service.

Finally, if you have the need to complain, head to



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