Feature

Exams

John Downes and Niel Daniels of XL Re investigate the potential impact the smoking ban will have on policyholders

As new products stutter and stall, few providers are offering the kind of innovation needed to gain any ground towards the level of service policyholders really need, writes Lucy Quinton

Rising premiums and interest rates have done little to free up consumers' disposable income, so insurers are offering cheaper, bespoke plans to redress the balance. Edward Murray reports

While group insurance premiums serve up a £1.5bn portion of total UK premiums, the market is still not considered a great success. Ron Wheatcroft investigates where the benefits package is going wrong

While critical illness cover will largely pay a claim out in full, income protection falls short of the mark, leaving policyholders uncertain of what is coming to them, writes Roger Edwards

Kidney disease affects nearly one third of people with diabetes and can have varying underwriting implications depending on the stage it is in, writes Sandra Woods

When people emigrate, healthcare is the last thing on their minds. Andrew Apps argues that the industry must keep clients informed of foreign medical customs to avoid any hiccups

Employers are increasingly having to offer more varied wellbeing packages and employee incentives to remain competitive, writes Lucy Quinton

How difficult is it for a non-preferred life to obtain income protection? Andy Chapman investigates