The rate debate

Over the last 12 months, COVER has been working with The Exchange to provide readers with a monthly premium tracker illustrating rate changes in the protection market. The tracker provides rate differentials over a monthly basis for individual standalone critical illness (CI), income protection (IP) and term assurance cover. Broader range In order to calculate premiums, the same case study is entered into The Exchange's Exweb portal each month. The criteria used is that of a 25-year-old male office clerk, who is a non-smoker. Once the criteria has been entered into the system, Exweb se...