CIExpert's Alan Lakey has described Aviva's new critical illness offering as complex and confusing.
He said: "Aviva's absorption of Friends Life has resulted in a total redesign of its critical illness offerings. Aviva has reverted to the 1980's template whereby a basic policy is available which can be upgraded to a more comprehensive version. "Aviva has effectively produced two plans - a basic plan aimed at those advisers and clients who primarily focus on cost and an upgraded version for those more concerned with higher quality. "The basic plan includes thirty-six 100% paying conditions...
Zurich has launched a 'selfie' app called FaceQuote which estimates how much life cover someone might need.
The official supplement of this year's COVER Excellence Awards is available to read now as an eBook.
Child cover within critical illness plans has assumed a far greater importance in recent years, writes CIExpert's Alan Lakey.
Holloway Friendly has widened its new online underwriting process allowing protection advisers to write both full and short term income protection business in minutes.