I have been a client of Richard for 25 years. On his initial recommendation I took out Life Insurance and Income Protection.  At the time it was an expense I could have done without, but I had a family and his advice seemed sensible.  On reflection his advice has been a “life saver”. Ten years ago, for health reasons I had to quit my job and my income just stopped.  With assistance from Richard I made an application against my Income Protection policy and immediately for the following 3 months I was paid 100% of the wage amount that I had previously been receiving.  After 3 months this reduced to 75% per month.  It’s been like that for ten years now.  During this time the Insurance company has been totally professional and respectful, and has also paid for counselling and retraining.  Gratefully I am now back in the workforce (though medically unfit for my previous occupation) and Income Protection is still paid to me.  My current wage is topped up by this insurance policy to equal 75% of my pre-disability income.  Without doubt, accepting Richard’s recommendation back then, 25 years ago, has been one of the best decision in my life.