Added value services: Should we be asking some tough questions?

'The proof of the pudding is in the eating' is a very old proverb that sprang to mind recently when talking about care and support services in the protection industry. For one reason or another, I've been speaking to a range of people recently who have used, or tried to use, some of the added value services advertised on their protection or health insurance policies. I have friends and family who have experience of using them, advisers and colleagues too. I've also used several personally. Some of the help I have received has been brilliant, and I'm truly grateful to those companies. ...