Indexation calculation

How to differentiate providers

clock • 3 min read

Alan Lakey, founder, CIExpert explains how indexation can be a critical tool for advisers when determining the best value for a customer.

Consumer Duty imposed a clear requirement on advisers to search out value.  This does not necessarily mean the cheapest or the ‘best' plan, although, of course, it might be. One area that is often overlooked is how insurers deal with premium increases for indexation. Apart from protecting a mortgage, where there is a specific level of decreasing debt, there is a powerful argument that all other forms of personal and family protection should be shielded from the erosive effects of inflation. All insurers offer indexation options – some are linked to the retail price index (RPI) with ot...

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 Adviser / Broking

St James's Place shares under pressure amid AR departures

St James's Place shares under pressure amid AR departures

One firm headed to Söderberg & Partners

Jen Frost
clock 17 July 2026 • 2 min read
Omni Protect first to offer Beagle Street intermediary proposition

Omni Protect first to offer Beagle Street intermediary proposition

3,500 firms gain access

Cameron Roberts
clock 14 July 2026 • 2 min read
LifeSearch appoints head of business protection and expert advice

LifeSearch appoints head of business protection and expert advice

Nick Rixon takes the role

Jaskeet Briah
clock 09 July 2026 • 2 min read