Alan Lakey

Total and permanent disability (TPD) could soon be re-named irreversible life-changing disability if proposals from the Association of British Insurers are accepted.

The Association of British Insurers (ABI) believes a clear consensus has emerged surrounding its proposals to reclassify the Total and Permanent Disability (TPD) definitions.

An influential protection IFA has said he is willing to take a less commission by using only those insurers offering ‘Big T' tele-underwriting.