Critical Illness

Two new 100% payment conditions added

Built around Consumer Duty principles

"The revised cancer wording is superior to those since 2004"

CIC comparison integrated with UnderWriteMe platform

With independent medical committee

To assess the balance between cost and quality

Type 2 diabetics will benefit from innovation in underwriting aimed at boosting inclusivity

Updated definitions and design for the Consumer Duty age

“The best kind of claim is not to have one in the first place”

When it comes to protection conversations, child illness can be an especially challenging one. However, given the potential financial consequences for parents, it is a discussion that advisers cannot afford to ignore, writes Vitality’s Adviser Editor, Rob Harvey.