Risk Clinic: PMI for scheme retirees


I advise on PMI schemes for small groups. With many members in their 60s, what do I need to consider as they approach retirement?

Debbie Kleiner-Gaines, Best Health UK Most group administrators would not have considered the potential issues for employees approaching retirement, but planning for healthcare needs should be a priority in retirement planning. As an adviser, you may wish to encourage your client to discuss this with their staff, preferably with your assistance. Perhaps offer to run a ‘clinic’ or prepare an email for your client to send around. In most cases, the insurer will offer a ‘Continuation Option’, which is their agreement to continue cover for any medical conditions. However, insurers...

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