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Recommending products to clients based on price is not the adviser way, but Roger Edwards, proposition director at Bright Grey and Scottish Provident, says it may be time to change tack...
Bright Grey and Scottish Provident have warned that insurers could be “shooting themselves in the foot” by changing the way they request medical evidence from GPs.
Half of insurers are now offering some form of HIV Life Assurance, up from 35% last year, according to medical financial advisers Unusual Risks.
Other Scottish Provident articles
Bright Grey and Scottish Provident held a recent summit on the future of critical illness cover. Roger Edwards outlines its conclusions
Bright Grey and Scottish Provident have bucked an 18 month downward trend as new business revenue and applications jumped significantly over the third quarter of the year.
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 you?
Defaqto and other ratings agencies have been attacked for “driving the wrong behaviour” by encouraging product complexity and being “in danger of misleading consumers”.
The Financial Ombudsman Service (FOS) has given an insight into current complaint trends in critical illness, with a mixed report.
PruProtect has called critics of its desire for protection to be made compulsory as being “defeatist” and argued that the need is “very clear”.
Protection expert Roger Edwards on the merits of social media – and how it can provide some of the most honest feedback you’ll ever hear…
Advisers fear their unprotected clients would be forced to live on state benefits or rack up large debt burdens should the worst happen.
Scottish Provident paid 91% of critical illness (CI) claims during the first half of the year.
Royal London, owner of Bright Grey, said disruption caused by its takeover of Scottish Provident three years ago had hit service levels following criticism from advisers.
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