Remove joint life plans to reflect claims experience, writes CIExpert director
At CIExpert we are often asked why the plan comparison system focuses on single life plans. There are many reasons for this, however first we have to ask why the adviser is considering a joint life plan instead of two single life versions. Generally it is a knee-jerk reaction where advisers continue to do what they have always done and it is possible that they are also influenced by the marginal cost saving. However, knowledgeable advisers will ask a completely different question - "what is...
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