Underwriting

A client who owns a four-man window fitting company has asked me to organise business protection for him. This is not an area I'm familiar with, so as a complete beginner how do I go about evaluating the amount I should be protecting him for?

My client is 42 and runs a consultancy in the oil industry. As a result he has to travel extensively, including contracts in dangerous and high disease risk countries such as Algeria, Sudan and Nigeria. He has already arranged international private medical...

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...

Holloway Friendly Society has reduced broker liability through the introduction of tele medical underwriting on its Income Protection policies.

In recent years providers have concentrated on the underwriting elements of customer service. Rhys Dudding asks whether the other end, claims, is now ripe for an overhaul

EU moves to enforce gender equality in insurance rates and pension calculations could lead to greater inequality The Actuarial Profession has said.

The CEA, the European insurance and reinsurance federation, has warned that there could be far-reaching implications for the price and availability of insurance cover if an opinion by the advocate general is upheld by the European Court of Justice.

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...

Julie Hopkins considers the case for adding partial benefit payment for DCIS treated with mastectomy and asks whether coverage could be extended to all DCIS diagnoses resulting in surgery

Paul Avis makes the case for protecting individuals being best served through employer sponsored support