The government has finally published its green paper on the future of social care.
Royal Liver supports customer segmentation
The government has finally published its green paper on the future of social care. It proposes a new ‘National Care Service'.
At progress from Royal Liver, we recently launched a campaign encouraging IFAs to adopt a customer segmentation approach. It was based on a piece of research we did on our own database with some quite insightful results.
Aegon quits UK's Group Risk market
Last month, I covered some of the outstanding matters raised in the IP Task Force White Paper that need to be resolved in order to remove any potential consumer detriment at claims stage for income protection (IP) insurance.
Peter Carvill tries to understand why group critical illness appears to be underperforming and how advisers and providers are looking to change this Click here to download pdf (PDF, 2MB)
This year's budget did little for insurance
I welcome the publication of the new Income Protection (IP) Task Force White Paper.
Peter Carvill discusses how the group income protection markets are likely to fare over the next year Click here to download pdf (PDF, 3.8MB)
PMI must adapt and cover needs of ageing society
The current economic crisis has generated a lot of criticism of the position of public sector workers and in the world of planet insurance, one group of employees could be exempt from the pain of the recession until 2011 - GPs who receive fees for medical...
While economies worldwide are grinding to a halt the success seen in the strength of sales from Group Life Insurance policies could not come at a better time. Peter Carvill examines the reasons for this Click here to download pdf (PDF, 4,467KB)
In July last year, the Pensions Institute of the Cass Business School published Death Shall Have No Dominion: Life Settlements and the Ethics of Profiting from Mortality.
The Healthcare cash plan is proving its resilience in the recession as contributors continue to increase. Peter Carvill asks if it will emerge at the front of this year's protection growth Click here to download pdf (PDF, 868KB)
UK and EU deliberations on extending anti-discrimination law to goods and services are still rumbling on and lobby groups continue to press for resolution of "unfinished business".
It is not surprising that whole of life is unpopular with consumers: the product, which gets more expensive as the policyholder gets older, seems particularly unattractive during a recession. Could it get any worse? Probably not. Peter Carvill asks if...
The FOS reflects on outcomes of ABI guidance
Last month's COVER Focus on income protection (IP) mentioned October's introduction of Employment and Support Allowance (ESA) as a prompt to the public to realise how little state support they would get if they were too ill to work.
Despite a drop in mortgage-related protection sales, the market is bearing up in the face of the recession. Peter Carvill investigates why some areas of TA are in fact skyrocketing Click here to download pdf (PDF, 1.1MB)
Last year's high hopes that international PMI was set to boom have dissipated into uncertainty. Peter Carvill explores how the financial downturn has affected this previously confident market Click here to download pdf (PDF, 1.4MB)
There is no doubt about it, 2009 is set to be yet another depressing year for MPPI. Inextricably linked with the mortgage industry, Peter Carvill asks how the product will fare Click here to download pdf (PDF, 1.57MB)
Some long-awaited market innovation may help to boost declining individual CI sales in the immediate future but will it be enough to survive the credit crisis, asks Peter Carvill Click here to download pdf (PDF, 2.5MB)
In the harsh economic climate, PMI is hanging tough in the face of increased NHS funding. Peter Carvill examines how the individual product fares compared with its corporate big brother Click here to download pdf (PDF, 2.8MB)