SCOR's David Ferguson explores industry perception of total & permanent disability insurance, which, he suggests, seems to be in a much better condition than many might think
For many years, there has been a general industry perception that total & permanent disability (TPD) has presented problems for assessors when it comes to claim. That perception appears to have grown from a history of high claim declinature rates when assessors have often been faced with difficult claims to assess such as subjective and/or complex medical conditions leading to a poor reputation for the product in the industry. Is TPD still a problem? Because of this perception, we felt that...
Cura's Kathryn Knowles investigates value-added services and why it is crucial for advisers to know their products
Benefit calculators, tools and guides to help customers
After being signed off work due to stress, Diana Lee has received more than just financial support from her income protection policy
Two out of three EBCs think benefit improvements are needed, research finds