CHILDREN’S CRITICAL ILLNESS COVER EVERY CHILD DESERVES BETTER Around 12 families are told every day that their child has cancer.* However, the importance of children’s critical illness cover is often understated. By making it an optional extra and doing a number of things differently, we’re hoping to change that. Here’s how you can protect children [...]

Care in every claim The latest vodcast from our Expert Series explains how the claims process has improved in the past year providing emotional and practical support to your clients throughout the claim process. Watch Now  

Moving home is one of the most exciting things in life. You dream of settling in with a glass of bubbly, preparing a family roast in your new kitchen, and welcoming friends around for a house-warming party. But consider how much there is to organise before you get there. There’s broadband to deal with, utilities [...]

Does writing to HMRC explaining the purpose of a business protection policy ensure its tax treatment? Paul McDowell provides an answer… When advising on business protection policies it is broadly accepted that it is good practice to write to the client’s tax office about their policy. Indeed, many providers even supply suggested wording for advisers [...]

Mental Health and Protection In 2020 we had 95% overall acceptance for customers disclosing a mental health condition, with 85% offered standard rates. Helen Dick, Senior Manager Underwriting and Claims Strategy at Scottish Widows, shares her thoughts on how changes to our mental health philosophy put us in a great position to increase the number [...]

Continuing our series examining myths surrounding business protection, Zurich's Paul McDowell explores if a relevant life policy can be used as a business protection tool... The protection industry has frequently marketed relevant life cover under the heading of business protection, for convenience as much as anything else. Though it’s true that employers set them up [...]

Recently, the FCA published the results of the General Insurance Pricing Practices Market Study, outlining changes that need to be made in the insurance distribution industry. This is potentially one of the biggest changes to GI compliance in recent years, and will impact the entire insurance industry. Following the FCA’s final report, you may be [...]

L&G TO LEAVE PAYMENTSHIELD’S HOME AND LANDLORDS PANELS From Sunday 11 July 2021, L&G will be leaving both Paymentshield’s Home and Landlord panel and therefore will be unable to accept any new policies from this date. Paymentshield will need to expire all L&G quotes and pending policies for Landlords insurance not placed on risk before [...]

We’ve simplified our Personal Protection Plan, which means you can now build a plan in three simple steps; Start with Core Cover Life Cover Serious Illness Cover Income Protection Cover Add optional benefits; Child Serious Illness Cover Family Income Cover Premium Waiver on Incapacity Whole of Life Options Choose whether to Optimise   Our Plan [...]

Did you know, we may be able to cover your client if they have diabetes? Monday saw the start of Diabetes Week, which runs from 14th – 20th June.   As you may know, diabetes is a serious, lifelong condition where the level of glucose in the blood is too high. There are two main [...]