Zurich achieved a 97% pay-out rate overall on critical illness, income protection and life insurance policies over the first six months of 2017 - paying out £121.6m to almost 2,000 customers.

The majority (73%) of over-45s have not planned or spoken with family about care in later life and are confused about government policy, research from Just has found.

Provider contribution idea welcomed

'Last big unpooled risk citizens face'

Part of consultation on social care

To help reduce cost of advice

15% of people saving monthly for care

Claims deadline set for 29 August 2019

With Alex Koslowski in charge

'Lack of transparency'