Skandia

From the end of September Skandia will no longer sell Critical Illness (CI) policies.

Ellipse has come into the group risk market with the aim of changing the methods of underwriting and customer service. What do you think could be reasonably changed about the current underwriting procedure?

Skandia has launched a service for advisers writing high value protection cases.

The disclosure requirements proposed for restricted advice in the latest RDR consultation paper need to go further and require firms to use a mandatory form of words in their initial disclosure information, says Skandia.

PruProtect has launched two new products with a whole raft of developments that it thinks will reinvigorate the protection. What are your first opinions of the provider's work?

Providers looking to enhance CI products must consider the effect on systems and pricing, and whether further underwriting is required. Julie Hopkins explores how cover can be retrospectively amended.

Edward is 32 years old and has just moved in with his girlfriend Jo who is also 32. He works as a lecturer at the local university and has, until the recent smoking ban, indulged in a 20-a-day smoking habit. Much to the delight of Jo, he has now stopped...