Katya Maclean: The changing face of critical illness

We've all been there - seen a better deal with our electricity or mobile phone provider than we're getting as a loyal customer. This has become the norm with protection insurance too. Providers are constantly improving their critical illness definitions to give wider coverage, but it's usually only available to customers taking out a new policy. As a customer, you don't expect to buy a critical illness policy one day and find it's out of date the next because your provider had improved its cover. This, I believe, is a fundamental issue in our industry. We often see stories in the press a...