Is TPD really broken?

Survey finds 20% reduction in declined claims in a decade

clock • 5 min read

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 it was right to ask our clients for their views. We asked our UK and Irish clients to respond ...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Individual Protection

Over one third of Gen Z don't see protection need for under-35s

Over one third of Gen Z don't see protection need for under-35s

Vitality research findings

Jaskeet Briah
clock 27 May 2026 • 2 min read
MetLife UK launches virtual physio

MetLife UK launches virtual physio

Available to individual protection customers

Cameron Roberts
clock 26 May 2026 • 1 min read
The COVER Review: Protection sales, fit notes and long-term care

The COVER Review: Protection sales, fit notes and long-term care

Week commencing 18 May 2026

COVER
clock 22 May 2026 • 1 min read