Christine Husbands: Why value-added services should be primary focus of protection

The inclusion of commonly called value-added services has increased significantly over the last ten years or so, with the majority of protection insurers including one or more services. Whilst there are now several suppliers to the protection industry, they are largely complementary to one another, appropriate to different people at different times. Such as nurse advice, second medical opinions, bereavement counselling, physiotherapy, counselling, GPs, wellbeing and lifestyle services. Initially, the rationale for the inclusion of such services was differentiation and an opportunity to p...