I’m sure if I asked advisers what their biggest frustrations are when it comes to applying for protection insurance, underwriting delays caused by GP reports or other medical evidence would land fairly high on the list. Free cover, which is included by most insurers on their life cover, but is less common on income protection, whilst not resolving the problem of underwriting delays, does go some way to ensuring clients are protected whilst their application is being assessed. In this insight we look at which insurers offer free cover on income protection plans and how they compare.

Click here to read more