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Three advisers explain what they are (or are not) doing to educate clients about certain changes due at the end of the year.
How hard is it to design disability-based protection products in 2012, asks Andy Milburn.
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?
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Last week, COVER's sister title Mortgage Solutions examined the key issues in the protection industry, with insight and analysis from experts across the sector.
Insurers must continue using their online systems in to post sales care to support advisers and their client relationships, an industry working group has demanded.
PruProtect has called critics of its desire for protection to be made compulsory as being “defeatist” and argued that the need is “very clear”.
Can you see a change in focus for the FSA’s replacement, following its renaming to the Financial Conduct Authority (FCA), rather than the previously suggested Consumer Protection and Markets Authority (CPMA)?
Are you afraid that when the RDR arrives the public will perceive advisers as charging fees for all products and so not consider coming to you for protection advice?
I sold my client a family income benefit (FIB) plan which has subsequently been claimed on. However, I was surprised to discover that the provider convinced my client to take the benefit as a lump sum instead. Should the adviser be informed about this part of the process, and why do providers do it?
My client, Steve, has just asked me to perform an overall review of his protection needs following the start of his new family. He’s only 32 and has an existing 10-year-old critical illness policy (25-year term). Should I recommend keeping this for the better coverage it provides, or given his age should I re-broke him for a cheaper one?
Alan Lakey of Highclere Financial Services thinks the FSA’s 30-month qualification deadline adds further pressure to an industry already weighed down by excessive regulation.
The Government’s new Fit Notes are intended to encourage a dialogue between the employer and employee to identify ways the employee can be supported back to work. Is this system an adequate solution, and can the Group Income Protection (GIP) market benefit from it?
How should an adviser assess which Critical Illness policy they should offer to a client? Specialist protection IFA Alan Lakey outlines a new approach to product selection...
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