Reflecting on fairness

The industry hit another low last month after it received yet more negative media coverage when the BBC programme, Watchdog, exposed two declined critical illness (CI) claims. One of the claims in particular caused heated debate among industry experts. The case involved policyholder Jan Lillywhite, whose claim was declined after it was found the disease she was claiming for was not recognised as a critical illness when she took out the policy - despite it now being covered by the provider. This case seems to have struck a chord with IFAs, who argued that insurers should apply any positive...