'Advisers have a role in preventing non-disclosure'

Speaking as a member of the provider forum for IFAonline.tv’s Great Protection Debate, Rann says guidelines from the Association of British Insurers (ABI) mean questions on application forms are now very clear and advisers have a “great part to play” in ensuring questions are answered truthfully. He states: “It is not difficult, in my opinion, to answer the questions on proposal forms truthfully and to the best knowledge and belief of the individual.” Nick Kirwan, protection market director at Scottish Widows, says advisers who are concerned about complaints to the ombudsman about discl...