A coffee a day keeps the doctor away

The benefit of everyday benefits

Cameron Roberts
clock • 5 min read

Cameron Roberts, editor, COVER, discusses so-called “everyday benefits” and how they are changing the landscape for advisers, providers and clients alike.

What is the industry's responsibility in keeping clients healthy? After all, the policies sold by the value chain are often positioned as a safety net, something should the worst happen. How does a client's everyday health play into that? It's not like we don't care about client health; we are more than happy to charge extra for clients who smoke, or who are overweight. In come everyday benefits, the supporters of which say can help encourage healthy living. Its detractors say it could take away from the core utility of a protection product: support at point of claim. This debate s...

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

Iress expands ex-smoker pricing to multi-benefit service

Iress expands ex-smoker pricing to multi-benefit service

Scottish Widows joins platform

Jaskeet Briah
clock 22 October 2025 • 1 min read
Mental wellbeing lowest among young and midlife adults: Aviva

Mental wellbeing lowest among young and midlife adults: Aviva

Access to support varied across age groups

Jaskeet Briah
clock 10 October 2025 • 2 min read
Economic climate affecting risk responses for half of adults: AMI

Economic climate affecting risk responses for half of adults: AMI

2025 Protection Viewpoint Report

Jaskeet Briah
clock 09 October 2025 • 2 min read