At FMI, we pride ourselves on maintaining our high claims pay-out ratio, in order to ensure that our clients are covered when they need it most. In 2011 / 2012, our claims pay-out ratio was 98.08%. However, there are instances in which claims will not be paid. While FMI is committed to paying valid claims, claims that are not paid fall into two categories – Repudiated and Not Taken Up (NTU). Repudiated claims: The main reasons for repudiated claims include:

Financial Adviser Mike Lalouette has first-hand experience of the importance of income protection.

For a complete income protection solution, we believe in putting in place temporary income protection and then permanent income protection, ensuring that our clients are covered for all disability scenarios. However, we also understand that individuals have different cover needs and that some of our clients might want a straight-forward temporary income protection product to cover the gaps in their existing cover. With no medical underwriting and the same claim certainty as BPE, this is where Express Income comes in.

Having worked as a Financial Adviser for 23 years, Gerald Sadleir is one of FMI's top producing adviser and believes that Income Protection is an essential insurance. We asked him 4 quick questions.

1. Who do you work for and where are you based?
I own my own brokerage based in Broadacres, near Fourways.

2. How long have you been working with FMI’s products?
Since 1994.

3. Why do you recommend FMI products to your clients?
Because FMI are the income disability specialists!