00:01 | 22 Dec 2008
| By
Linton Penman
What form of protection should be recommended to a client? Unum's Linton Penman looks at the options.
00:01 | 15 Dec 2008
| By
Roger Edwards
A few protection providers are beginning to add extra ‘frills’ to some of their products. Roger Edwards hopes that this is a trend that will take off so that protection will not just be about money but also about rehabilitation.
00:01 | 08 Dec 2008
| By
Graham Harvey
Women are lagging 30 years behind in the protection stakes according to a recent survey. Advisers should try to address this immediately, says AXA's Graham Harvey.
00:01 | 01 Dec 2008
| By
Kate Woodruff
Underwriting for breast cancer depends on how quickly the disease is diagnosed, its severity and location, and whether there is a family or genetic connection to it, writes Kate Woodruff of Friends Provident.
00:01 | 24 Nov 2008
| By
Roger Edwards
The protection industry is gradually declining and maybe it is time for providers to think outside the box and to develop new ideas such as help services, but in such a price driven sector is this a pipe-dream writes Bright Grey's Roger Edwards.
00:01 | 17 Nov 2008
| By
Linton Penman
Linton Penman, head of retail marketing at UNUM writes that economic pressures mean clients are spending more money on mortgage repayments and less on savings. If illness or injury strikes, they could face real financial difficulties. The time is right to revisit income protection.
00:01 | 10 Nov 2008
| By
Kim Lerche-Thomsen
Increased up-take of open market option annuities shows providers are on the right track but before they pat themselves on the back they must do still more to deliver the degree of flexibility that retirees require, says Living Time's Kim Lerche-Thomsen.
00:01 | 03 Nov 2008
| By
Graham Harvey
As recession looms thrift is back in vogue and advisers have an important role to play in helping clients hold on to potentially crucial insurance policies and providing guidance on other less damaging cutbacks they could make, says Graham Harvey at AXA.
00:01 | 27 Oct 2008
| By
Elizabeth Brothwood
Certain forms of inflammatory bowel disease are on the increase and advisers may well find it useful to be aware of the protection options available for any clients suffering from this range of conditions.
00:01 | 20 Oct 2008
| By
Roger Edwards
Advisers must ensure they pick a protection product that provides value for money rather than just going for the one with the lowest price, writes Roger Edwards of Bright Grey.
00:01 | 13 Oct 2008
| By
Graham Harvey
The biggest lnocks to consumer confidence in protection insurance in the past decade have usually been connected to non-disclosure. To turn this around, the industry needs to dispel some myths says Graham Harvey of AXA.
00:01 | 06 Oct 2008
| By
Lin Ashurst
A key study is being conducted into the lifestyles of the UK’s senior citizens. Among a raft of interesting findings to date is one that financial planners should seize on: there is a clear correlation between wealth and longevity. Lin Ashurst of Paradigm Norton reports.
00:01 | 29 Sep 2008
Everyone knows smoking is a killer says Jackie Shaw, senior underwriter at Firends Provident. But the challenge for an underwriter is to judge the benefits of the client who has kicked the habit or the penalties for the client who carries on puffing away despite being told to stop.
00:01 | 22 Sep 2008
| By
Graham Harvey
To make sure customers have adequate protection cover it has never been more important for providers and advisers to work hand in hand, particularly in the current economic environment, writes AXA's Graham Harvey.
00:01 | 15 Sep 2008
| By
Roger Edwards
There has been little innovation in the history of protection products and most new products are often greeted with suspicion, writes Roger Edwards of Bright Grey. Is it time for the sector to break out of its comfort zone and welcome new ideas?
00:01 | 08 Sep 2008
| By
Chris Jordan
If an income protection insurer or product provider is using the body mass index as the determining measurement in assessing risk, is it guilty of discrimination? Taken in isolation, it is a poor benchmark.
00:01 | 25 Aug 2008
| By
Linton Penman
One of the best options available to advisers when recommending income protection to their smaller corporate clients could be an executive income protection plan.
00:01 | 18 Aug 2008
| By
Kim Lerche-Thomsen
Taking out a single annuity policy for the entire period of retirement is not logical because an individual’s income needs will change over time. Fixed-term annuities offer a more flexible and modern approach.
00:01 | 11 Aug 2008
| By
Graham Harvey
The muscle of a provider's capital strength is the most vital factor to take into consideration when setting up protection cover. Your client is put at a great disadvantage if the provider goes bust or has a change of status.
00:01 | 04 Aug 2008
| By
James Jones
Advisers who have some awareness of how diseases like emphysema can persist and develop are in a good position to start explaining underwriting scenarios and how these are closely tied to smoking.
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