The future of critical illness

Advisers are risking the wrath of the Ombudsman by helping applicants fill in forms – or so ran one of the pull-no-punches views in our critical illness debate. Angela Faherty reports Johanna Gornitzki: One of thekey issues facing the criticalillness market is non-disclosure.How can the industry beat this? Nick Kirwan: By focusing on it.That said, there is already a lotof focus on it. The Associationof British Insurers (ABI), forexample, has been doing alot of work on the clarity ofapplication forms and a lotof companies now use theconcept of playbacks – wherethe application form is giv...