Taking the legwork out of back pain with Scottish Equitable Protect

Scottish Equitable Protect's latest IFA underwriting newsletter, 'Underwriting Today', addresses the issue of back pain in clients who are taking out protection products. Annually there are 12 million GP visits and 1.6 million outpatient appointments for back problems. In 1998, there were 120 million days' sickness absence due to low back pain with 60% of all adults suffering back pain at least once a year. Scottish Equitable Protect says IFAs need to be aware of how applications from people with a recent history of back pain are assessed by underwriters. The newsletter looks at a...