CI

Protection business in 2012 and 2013 will be affected by events this year and some fundamental changes to the way customers policies are priced into the next. Richard Verdin explains.

Severity based protection payments have become more common over the year. Phil Jeynes explains why in his overview of 2011

With take up of sales in income protection (IP) by advisers so low, reflecting in low consumer sales, what could be done to the product to make it more attractive to IFAs, apart from increased commission?

My client has been reading about severity based payments for critical illness (CI) policies. I believe there is merit in polices that don't do this. In sales terms, what is the opposite side of the argument I can put to him?

Bright Grey and Scottish Provident held a recent summit on the future of critical illness cover. Roger Edwards outlines its conclusions

Policies often cover the breadwinner, but should we be selling more protection to cover events affecting other family members? Greg Becker looks at the Australian answer

With many legislative changes in the works, the group risk market is hesitant at present. Owain Thomas examines the bigger picture of what is to come for group income protection.

At a recent critical illness (CI) conference, it was observed that a lot of the individual market's underwriting problems could be reduced by using a low free cover limit (e.g. £50,000). Would bringing this into line with group business be helpful to...

I have a client making a claim on a critical illness (CI) policy. The provider is suggesting they take a lump sum payment rather than the family income benefit (FIB) they originally bought. I realise there are various arguments for each side, but what...

Protecting the biggest purchase a person is likely to make should be a key decision. Owain Thomas asks whether mortgage payment protection insurance is still a worthwhile option.