Are you afraid that when the RDR arrives the public will perceive advisers as charging fees for all products and so not consider coming to you for protection advice?
I sold my client a family income benefit (FIB) plan which has subsequently been claimed on. However, I was surprised to discover that the provider convinced my client to take the benefit as a lump sum instead. Should the adviser be informed about this...
My client, Steve, has just asked me to perform an overall review of his protection needs following the start of his new family. He's only 32 and has an existing 10-year-old critical illness policy (25-year term). Should I recommend keeping this for the...
Alan Lakey of Highclere Financial Services thinks the FSA's 30-month qualification deadline adds further pressure to an industry already weighed down by excessive regulation.
The Government's new Fit Notes are intended to encourage a dialogue between the employer and employee to identify ways the employee can be supported back to work. Is this system an adequate solution, and can the Group Income Protection (GIP) market benefit...
How should an adviser assess which Critical Illness policy they should offer to a client? Specialist protection IFA Alan Lakey outlines a new approach to product selection...
The Association of British Insurers (ABI) believes a clear consensus has emerged surrounding its proposals to reclassify the Total and Permanent Disability (TPD) definitions.
The ABI has said it intends to end Total and Permanent Disability (TPD) clauses, introducing set definitions. Will this add even further complication to Critical Illness (CI) policies?
IFAs are calling for the introduction of standards in the way life insurance companies interpret anti-money laundering legislation to help reduce inconsistencies in the documents they request.