What has coffee got to do with insurance?

Insurance beyond the claim

clock • 3 min read

Andy Philo, director of strategic partnerships, Vitality, responds to a recent opinion piece in COVER that warned against focusing on free add-ons when having the protection conversation, he instead refers to these as incentives that change lives.

Last week, in an article titled ‘Why clients don't buy insurance for the freebies', Ash Borland, business coach, Ash Borland Consulting, detailed the importance of giving people the right policy for their needs, both now and in the future - a position all insurers and advisers would rightfully agree with. Protection provides people with a valuable safety net, it is there at the point of need and this should always be the focus of every adviser-client conversation. But insurance today is no longer one dimensional, merely a purchase you hope to never claim upon. Increasingly, insurers ...

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 Individual Protection

Most homeowners want mortgage advisers to discuss redundancy

Most homeowners want mortgage advisers to discuss redundancy

58% expect redundancy risk to increase in the next five years

Jaskeet Briah
clock 05 November 2026 • 2 min read
Protection applicants see rise in disclosure of weight loss treatment: UnderwriteMe

Protection applicants see rise in disclosure of weight loss treatment: UnderwriteMe

Buy-now outcomes "remain strong"

Jaskeet Briah
clock 04 November 2026 • 2 min read
£73.14m paid out in life and CI claims to Reassured customers

£73.14m paid out in life and CI claims to Reassured customers

Most CI claimants used the pay out for living costs

Jaskeet Briah
clock 03 November 2026 • 2 min read