Exclusions

The Finance & Technology Research Centre (F&TRC) has launched a tool for advisers, the Quality Analyser Research and Panel Selection comparison service for protection.

Various types of exclusions are found in life and health insurance policies. James Shattock explains why they exist and that discounts for underwriting exclusions are now here to stay

Should those with exclusions in income protection policies get a discount? Joan Coverson and Chris Ball explain the complexities