Feature

Advisers can no longer afford to be locked out of the debate about the benefits offered by trusts, as Phil Carroll demonstrates

Underwriters always require a general practitioner's (GP) report, and usually ask to see any hospita...

Now is the time for the insurance industry to get into gear and deliver on service. Lucy Quinton reports on why providers should be bending over backwards to offer IFAs good service

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