A call to rescue income protection's reputation

INCOME PROTECTION

clock

Kevin Carr, our resident protection detective, outlines a campaign to put IP back where it belongs - at the forefront of advisers' minds.

Has the IP industry reached tipping point? The validity of list-based occupational definitions for IP, such as work tasks and activities of daily living (ADL), has been questioned for many years. But the demand for change is becoming stronger. First, there were calls from intermediaries, then a Protection Review survey, and now we hear the Ombudsman has overturned a decision to decline a high-profile claim where the definition is based on work tasks, as recently reported in The Times. Under the terms and conditions of that particular policy, the claimant was required to carry out two ...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Protection

Chesnara to close HSBC Life UK to new protection business

Chesnara to close HSBC Life UK to new protection business

Follows £260m acquisition

Jaskeet Briah
clock 04 February 2026 • 3 min read
Targeted support: FCA opens door to protection inclusion

Targeted support: FCA opens door to protection inclusion

Could help address protection gap

Cameron Roberts
clock 29 January 2026 • 2 min read
FCA Pure Protection Market Study: No interventionist remedies proposed

FCA Pure Protection Market Study: No interventionist remedies proposed

The regulator pledged to release its final report in Q3 2026

Cameron Roberts
clock 29 January 2026 • 4 min read