In 2018 there were very few insurers that did not make changes to their critical illness proposition. So far 2019 has been relatively slow in comparison, however today sees Canada Life making their long-awaited move. With 37 new definitions, 27 condition wordings updated, and 1 condition moved from a partial to full pay out the changes are extensive but how does this impact their position in the market? Click here to read more

Are all second medical opinion services the same?

As focus shifts from price led protection to quality led protection; demand for additional benefits from insurers will only continue to grow. Second medical opinion(s) can provide clients with the option to refer/iron out any doubts about a diagnosis or treatment plan by speaking to an alternative medical specialist. With a number of insurers now offering second medical opinion (SMO) services, we investigate whether all services offered the same. Click here to read more

Who makes it easier to increase protection?

If there is one thing you can be sure about, it is that you cannot be sure what your clients’ circumstances will be in the future. In terms of protecting your client, this means that at least annual reviews should be conducted to ensure that the client is suitably covered. But how easy to insurers make it to increase cover on policies that are already in force? Click here to read more