00:01 | 18 Aug 2008
| By
Kim Lerche-Thomsen
Taking out a single annuity policy for the entire period of retirement is not logical because an individual’s income needs will change over time. Fixed-term annuities offer a more flexible and modern approach.
00:01 | 11 Aug 2008
| By
Graham Harvey
The muscle of a provider's capital strength is the most vital factor to take into consideration when setting up protection cover. Your client is put at a great disadvantage if the provider goes bust or has a change of status.
00:01 | 04 Aug 2008
| By
James Jones
Advisers who have some awareness of how diseases like emphysema can persist and develop are in a good position to start explaining underwriting scenarios and how these are closely tied to smoking.
00:01 | 28 Jul 2008
| By
Lin Ashurst
Financial plans often underestimate women’s protection needs as they fail to take into account the costs of hiring people to undertake their household and childcare work if they were unable to do it themselves.
00:01 | 21 Jul 2008
| By
Roger Edwards
Although it sounds like something people queue up for at the dole office, family income benefit is actually an income-based life cover that provides excellent value for money.
00:01 | 14 Jul 2008
| By
Roger Edwards
The amount of information demanded of applicants when filling in protection forms is overwhelming and still growing. But any efforts to simplify the process need to avoid simply adding to industry jargon.
07:00 | 07 Jul 2008
| By
Stewart Yeadon
Nowadays, all is not lost for those unfortunate to suffer from a chronic and disabling illness. Apart from various treatments, life insurers are offering a number of protection schemes.
00:01 | 30 Jun 2008
| By
Graham Harvey
Whether people are choosing to live alone permanently, getting married later or are alone following divorce, the UK’s rapidly expanding army of singletons is one group that advisers cannot afford to neglect.
00:01 | 23 Jun 2008
| By
Joy Redmond
The vocational rehabilitation services being offered by a number of group income protection providers are seeing high rates of success in getting employers on long-term sick safely back into full-time employment.
07:00 | 16 Jun 2008
| By
Jill Denniff
When it come to arranging life assurance it is useful for advisers to be aware of the procedures, tests and checks an underwriter may require of a prospective client and the reasons behind them.
07:00 | 09 Jun 2008
| By
Kim Lerche-Thomsen
For a client to get the most value out of an annuity it often just comes down to timing, so a little delay can greatly increase value, hence the advantages of fixed-term annuities.
07:00 | 02 Jun 2008
| By
Roger Edwards
Insurance companies should focus on how critical illness cover can help people through their recovery rather than publicising alarming data about how many people become critically ill.
07:00 | 26 May 2008
| By
Christine Dixon
07:00 | 19 May 2008
| By
Chris Jordan
In the slowing growth of the private medical insurance markets, providing holistic financial planning for clients who want to help their families is one innovative, value-added response to consider.
07:00 | 12 May 2008
| By
Lin Ashurst
The government has a stick approach to health improvement through prevention but perhaps a carrot approach is needed, such as tax relief on private medical insurance.
07:00 | 05 May 2008
| By
Graham Harvey
07:00 | 28 Apr 2008
| By
Roger Edwards
07:00 | 21 Apr 2008
Employee absence can be a delicate and costly subject for businesses. Addressing the financial and management sides correctly is crucial and specialised help can make a big difference, as this week’s case study shows.
07:00 | 14 Apr 2008
| By
Linda Walaszkowski
With a quarter of the population likely to suffer some form of mental illness every year, how do underwriters assess risk from this complex, sensitive and widespread condition when it comes to critical illness cover?
07:00 | 07 Apr 2008
| By
Roger Edwards
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