Vitality

When it comes to protection conversations, child illness can be an especially challenging one. However, given the potential financial consequences for parents, it is a discussion that advisers cannot afford to ignore, writes Vitality’s Adviser Editor, Rob Harvey.

2023 marks the 40th anniversary of the first critical illness policy. Following the recent enhancements of Vitality’s Serious Illness Cover, Rob Harvey, VitalityAdviser Editor, sat down with CIExpert founder Alan Lakey to discuss the evolution of the market over the last four decades.

“The industry could be more open to innovation, fresh thinking and new ideas”

"CJD doesn’t represent much of a challenge to an underwriter"

"IP needs to be more relevant to the needs of today’s clients"

To reduce ESG risks

Withdrawn from market as separate product last month

Serious illness and disability covers are unlikely to be offered

Across transparency, trust, happiness and complaints categories

After pilot of the Wysa app