Viewpoint

The idea that providers might combine CI and IP in a single product appears to have merit. But wouldn't such a product also need to offer life cover? Unless the client already had sufficient life cover it would seem pointless to exclude it particularly if you thought that such a product might be attractive as mortgage protection – perhaps its most obvious application. This would mean that we could have a three way product – life, CI and IP, but at what levels? If this were to be attractive to the IFA community then sum assureds in excess of £100,000 would be needed, against wh...