Buying insurance through a consumer lens

clock • 3 min read

Melissa Collett describes her recent experience of an adviser private medical insurance sales process.

Like many other consumers, I purchased a raft of protection insurance when I bought my first property. In those days, life insurance was compulsory, taken out through the lender, and the transaction could not proceed until the underwriting was complete. Later on, protection became a less prominent (and no longer compulsory) feature of the mortgage transaction or was hived off as a separate conversation with a specialist adviser, hand in hand with general estate planning and will writing.  Fast forward a few years and I found myself working at the Financial Ombudsman Service making ...

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 Regulation

FCA Market Study: PDG 'expected different conclusion' on loaded premiums

FCA Market Study: PDG 'expected different conclusion' on loaded premiums

“We’d like to see greater transparency"

Jaskeet Briah
clock 12 February 2026 • 3 min read
PMI sees highest new complaints for protection: FOS

PMI sees highest new complaints for protection: FOS

Q3 2025/26

Jaskeet Briah
clock 05 February 2026 • 2 min read
The perils of misreading the regulator

The perils of misreading the regulator

Loaded premiums and MS24/1

Tony Müdd
clock 03 February 2026 • 4 min read