Finding protection for clients with health conditions is challenge for advisers

The Exeter research findings

Jaskeet Briah
clock • 1 min read

Nearly two thirds (62%) of advisers have said it is difficult to find cover for clients with multiple or pre-existing health conditions, according to The Exeter.

The provider surveyed 250 UK financial advisers who discussed insurance products with their clients, finding that for 30%, the ability to cover such clients was the most important element when working with an insurer. Looking at specific products, pre-existing medical conditions was believed to be the biggest challenge for private health insurance this year (37%). This was also expected to be a key challenge for advisers when discussing income protection (IP) (29%), with 26% of life insurance advisers also citing this as a challenge during advice conversations. Jack Southcott, head...

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 Adviser / Broking

CII launches Voices

CII launches Voices

New research community

Sophia Panayi
clock 25 September 2026 • 1 min read
Howden Employee Benefits COO expands remit following Barnett Waddingham deal

Howden Employee Benefits COO expands remit following Barnett Waddingham deal

Supporting UK and international growth ambitions

Jaskeet Briah
clock 17 September 2026 • 2 min read
Most client meetings happen without one of the advised couple present

Most client meetings happen without one of the advised couple present

More than half of clients said they hold the adviser relationship in their name only

Laura Miller
clock 17 September 2026 • 2 min read