Exclusions

“Don't take the initial decision at face value”

The Exeter research

Focus on inclusivity

"We’ve not quite hit the mark"

“We believe it should be up to the customer to determine what is fair value”

Reduced features available for affordability

Provider service quality, claims timescales and Consumer Duty

"Protection advice more than ever has been budget driven"

"Autonomy gives us the ability to look at underwriting on a case-by-case basis"

Pricing and transparency concerns