Ian Sawyer, managing director of Assured Futures, puts forward some controversial views on the relevance of critical illness cover compared to income protection.
I'm not a lone voice on this. It's an opinion shared pretty much unanimously with my colleagues and many peers. In my view, Critical Illness (CI) cover should be marginalised or even removed as a product because it gets in the way of Income Protection (IP), which is a far more superior product in terms of suitability and customer needs. Yet all too often IP takes a back seat, especially in the mortgage industry. If the IP market is ever going to achieve the widespread and sustainable growth...
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