Discussion

My client pays monthly child benefits for his three children that live with their mother and he also has a mortgage of his own. He is claiming on a critical illness (CI) policy and is eligible for a pay-out. What are the considerations for taking the...

My client is an SME employer who can no longer insure employees until default retirement age after its removal. He is continuing to provide group income protection benefits to all of his employees for as long as they work in the company. What considerations...

COVER reported recently that an insurer system glitch caused the wrong policy documents to be sent to an adviser. Insurer system and computer errors are nothing new, but is it a problem that needs more attention?

I have a business client in need of international private medical insurance. He is a software designer looking to take up a government contract in Chad. He is only 32 but is 287lb and has type two diabetes. Apart from an obvious loading, what else should...

My client is 35, single and earns a significant wage. He has no protection at all. He rents an expensive property in south west London and has no living relatives. I am trying to advise him on why he needs protection. What types could be best for him...

The FSA recently responded to a provider letter airing concerns about advisers filling out medical disclosure applications. Should it be the adviser's job to exercise the necessary medical expertise? And how evolved are insurer systems to accurately capture...

I have a client I speak to for individual protection matters. I discovered he also runs a small business. How do I, as an adviser, go about valuing his business for protection purposes and offer sound guidance?

My firm has broadened out to offer international private medical insurance advice. Global marketing has pulled overseas clients into the business, many of whom are Russian. For those that do not speak English, what support can I offer in helping them...

Bupa has been the latest to warn about the nearing ‘affordability crunch' in the private medical insurance market as premiums continue to rise. What genuine, clean slate innovation would you like to see in PMI - and how possible will real innovation be?...

The answer to long-term care funding issues is ongoing with the Dilnot review central to industry debate. The FSA has published final guidance stating a qualification in long-term care will not be required of independent intermediaries post-RDR - what...