CIExpert director on how to navigate the children's critical illness minefield
In recent years a number of insurers have refined their critical illness plans so that children's cover is optional. Guardian has gone a stage further and allowed a choice of sum insured between £10,000 and £100,000. There is a clear logic to this approach inasmuch as those clients without eligible children have been subsidising those with children. As a result, the cost of children's cover had been suppressed because there was no danger of anti-selection. Simultaneously there has been a concerted...
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'Difficult transition period'
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