IP

No longer just an insured benefit, group IP is making waves with a range of additional features and is set to benefit from auto-enrolment and changes to the default retirement age. Nicola Culley finds out why it could be a gold mine for advisers.

The environment income protection is sold into is changing fast. Lee Lovett sees promising signs this could be the start of the time when IP cover comes of age

As embattled employers look for ways to offer low-cost employee benefits, group critical illness could be just the ticket. So why is the GCI market only one-twentieth the size of group life? Nicola Culley investigates.

Market surveys are nothing without analysis. Paul Avis finds Swiss Re's latest highlights a few worrying trends in group markets but also a number of opportunities.

I have noted an increase in the proliferation of short-term income protection (IP) policies, and have several clients preferring it to full IP. Given the return-to-work statistics for the longer-term sick, I worry about selling these products to people...

I have a client looking to buy life and income protection (IP) cover. My problem is that, although he has indefinite leave to remain in the UK, he is a refugee and has no long-term medical or financial history. What problems are we likely to encounter?...

PG Mutual has signed up to COVER's campaign to reform the assessment of claims for income protection (IP).

My 45-year-old client was made redundant due to the recession, but has recently started a new yet much lower-paid job. With his income protection (IP) policy covering his last wage level, he is now over-insured and would not be able to claim his full...

Paul Avis discusses the benefits and pitfalls for advisers considering the group protection sector.

With white papers due this year on long-term care (Dilnot Review), sickness absence and also the Treasury's work on simple products, how much explicit help (not just macro changes to benefits and the NHS) would you want the government to give the industry?...