Individual Protection

CIExpert has released its assessment of changes Ageas has made to its critical illness plan.

A protection adviser has warned advisers to check critical illness cover policy documents after receiving a series of out-dated terms and conditions for clients.

Protection specialist and former Associate Director of the ABI, Nick Kirwan has joined the executive team of the Income Protection Task Force.

Zurich's 2012 critical illness claim statistics for its life policy customers in the UK show 90% of claims as successful with payments amounting to over £59.9million.

In the first of a series aimed at all areas of financial services, F&TRC Protection Forum has compiled a matrix detailing where providers stand with regards to treatment of existing policies.

CIExpert has released its assessment of changes Aegon has made to its critical illness policy.

Gender-targeted innovation post-gender neutralisation will be difficult to establish and could work against the debate around simple products, Legal and General has said.

In the first of a planned series of protection policy improvements, Ageas Protect has extended its existing partnership with Best Doctors and now gives all new customers access to expert medical opinions as soon as their policy goes on-risk.

Gender-neutral increases will move providers away from competing on price and restore a more consumer-led market, Friends Life has said.

Selling stuff is simple: a need must be identified, a product recommended to satisfy it and someone to sell it who gets paid for doing so. The protection world however is not so simple.