Lending a hand

"It won't happen to me." This is one of the key reasons why people do not take out protection, and why life cover, critical illness and income protection products are sold rather than bought. The claim will take place at what is undoubtedly an emotional and stressful time for the policyholder and it is essential that the claims process is speedy, efficient and above all, causes as little inconvenience as possible for the claimant and their family. It is inevitable that claims will sometimes be turned down, but the two main reasons have nothing to do with companies hiding behind definition...