The Harris family had spent decades building something solid. A thriving business. A life full of hard work, resilience, and shared wins. With retirement on the horizon, things were finally slowing down.
Over the years, they’d picked up a dozen life insurance policies - mostly arranged at the bank, one casual meeting at a time. None had been reviewed in years. None were in Trust. No one had looked at the bigger picture.
Then, in January 2020, they spoke to Waddle.
Twelve separate policies. No clarity. No cohesion.
Had a claim been made back then, it would’ve been buried under paperwork, held up by probate, and potentially hit with inheritance tax. There was protection on paper - but not in practice.
That’s where Ryan, one of Waddle’s senior protection specialists, stepped in.
Ryan worked closely with the Harris family to declutter, restructure, and rebuild their protection in a way that actually worked.
Here’s what we put in place:
A joint decreasing policy to mirror the mortgage
Two level term policies with £100,000 of critical illness cover each
Children’s cover and multi-fracture protection as add-ons
Crucially, every policy placed in Trust to avoid probate delays and inheritance tax
Two years later, Mrs Harris suffered a stroke.
It was sudden. Serious. And scary
But instead of panic and uncertainty, she made one call - to Waddle.
Our claims team took over everything. We contacted her GP, chased consultant reports, and managed all the documentation. Within four weeks, a £100,000 payout landed in her account - with zero stress.
During the post-claim review, she casually mentioned a broken wrist.
Thanks to the multi-fracture cover Ryan had added, another £4,000 was paid out.
Years passed. Life returned to a new rhythm.
And then came the devastating news: Sadly, Mr Harris passed away.
But because the cover had been structured properly and placed in Trust, the life insurance payout bypassed probate and was released swiftly - giving the family security and breathing space when it mattered most.
The Harris family’s story is a powerful reminder that protection isn’t just about what’s on paper. It’s about whether it works - when life gets turned upside down.
At Waddle, we’re not here to push policies. We’re here to build plans that protect real people, in real moments.
If you’ve never had your cover reviewed - or don’t know where the paperwork even is - it’s worth a conversation.
Because what we did for the Harris family, we can do for yours too.
Old policies, missing Trusts, no clear plan - it’s more common than you’d think. If life flipped tomorrow, would your cover hold up? Or hold things up?
At Waddle, we don’t just write policies. We rebuild protection properly - so claims pay fast, paperwork doesn’t pile up, and your family isn’t left guessing.
Real advice. Proper planning. Zero stress.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out £75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
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.
