Graham is in his early fifties. A dedicated husband, father of three, and a keen golfer, he’s someone who’s always been fairly practical about life - and the curveballs it can throw.
A while back, he was approached by a sales company offering him a new life and critical illness policy. They made a convincing case: better cover, better price, modern features. The catch? They encouraged him to cancel the policies he already had in place - without reviewing them first.
Before going ahead, Graham reached out to Waddle for a second opinion.
As part of our unique process, we contacted his existing insurers to understand what cover he already held. That’s when we came across something significant:
Graham had a 17-year-old Scottish Provident Critical Illness policy - a legacy policy with terms you simply can’t get in today’s market. It offered generous benefits, a strong Critical Illness definition, and broad cover, all at a premium that wouldn’t be possible now.
It was a policy absolutely worth keeping, we advised Graham to hold onto it - and explained why.
There was nothing in it for us when we told him to keep the old policy.
It was just the right call.
We also worked with Graham to strengthen his overall protection, putting a solid structure in place to cover the financial and family liabilities that were still exposed. It wasn’t about choosing one policy over another - it was about making sure everything worked together to give him the cover he genuinely needed.
Graham, sadly, had a stroke.
He got back in touch, and we helped him through the claim process on the policies we had arranged for him, which paid out as expected. But while reviewing his case, we remembered the Scottish Provident policy - the one he’d nearly cancelled, and had since forgotten about.
Because we’d kept clear records and already had authority on file, we were able to reach out to the insurer and start the claim process right away.
That legacy policy, which could have easily been cancelled, paid out £75,000 - right when Graham and his family needed it most.
He hadn’t remembered the cover existed. But we had. And we made sure he could claim it.
We didn’t set up that 17-year-old policy. We didn’t manage it either. But Graham is part of the Waddle family - so when the time came to claim, we stepped in without hesitation. We’d kept the paperwork, logged the details, and had the authority ready to start the claim process.
That’s how we work.
At Waddle, we take the time to understand what cover you already have before suggesting anything new. Because when life takes a turn, it’s not about who arranged the policy - it’s about making sure nothing gets missed when you need it most.
We don’t just help you get cover.
We help you keep the cover worth holding on to.
And when life changes, we’re still here - to make sure nothing gets missed.
If you’re unsure what protection you have, or what you might be giving up - speak to us before making changes. A second opinion could make all the difference.
Like Graham, you might already have a policy worth holding onto. We check what’s in place, protect what matters, and build around it - so you’re covered properly, not just sold something shiny.
One call could save more than you think.
When a simple dog walk turned into a career-ending injury, things could have spiralled fast - no sick pay, no income, no Plan B. But one smart conversation with Waddle changed everything. From day one to diagnosis, we were there - protecting their income, guiding their claims, and keeping life afloat.
We’ve got you.
Whether it’s a bump in the road or a full-blown storm, you’re not on your own. Making a claim with Waddle is simple, human, and hassle-free - because the last thing you need right now is paperwork stress or policy puzzles.
We just show up, sort it, and stand by you - like we said we would.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
