LifeSearch has accused providers of commuting Family Income Benefit (FIB) payments into lump sum payments and called for the practice to stop.
Scottish Provident has reported a four-fold increase in sales of its critical illness plans on an income basis.
Financial services firms are already predicting children may not see the full benefit of child trust funds as research suggests three quarters of parents have never heard of them.
Friendly society Family Assurance is selling its with-profits life and pensions business to Reliance Mutual Insurance Society as well as some term assurance policies.