How to turn 100,000 IP sales into one million

In three simple steps

clock • 4 min read

Assured Futures' Ian Sawyer explains how redesigning income protection could unlock it

A year and a half ago I wrote a blog about critical illness (CI) cover and suggested it should be marginalised or even removed as a product. It's fair to say it put the cat amongst the pigeons, if you'll forgive the Bros reference, but I said this because I genuinely believe that CI gets in the way of what most people really need, which is income protection (IP). My views sparked controversy at the time, and although many colleagues agree IP should be the core protection product for most people, I also agree with the recent Financial Services Consumer Panel (FSCP) report, which says w...

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 Income Protection

Profile of an IP customer: Indexation

Profile of an IP customer: Indexation

Keeping pace

Vicky Churcher and Phil Day
clock 20 January 2026 • 3 min read
Being unable to work during ill-health impacting confidence

Being unable to work during ill-health impacting confidence

Cirencester Friendly research

Jaskeet Briah
clock 08 January 2026 • 2 min read
Profile of an IP customer: BMI and protection

Profile of an IP customer: BMI and protection

Weighing the facts

Jo Miller and Warren O'Connell
clock 11 December 2025 • 3 min read