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If clients are struggling to raise cash to pay for long term care, equity release could be an option. Paul Robertson gives an update on this market

The medical profession may help rehabilitate people when they suffer a disability, but what happens when doctors get ill? Helen Collins explains how income protection provides essential cover for medical professionals

Compared to pre-funded LTC, immediate needs annuities are seeing healthy sales. However, new advisers to the market should apply caution, says Paul Robertson

When choosing a care home, meeting the needs of the individual is crucial. Angela Faherty explains what clients should be looking for when making their decision

Mental illness is one of the most common conditions advisers encounter, yet underwriting clients with a history of depression can be complicated. Simon Taylor explains

Too many people wait to buy long term care insurance until it becomes unaffordable. A new generation of hybrid products could help buck this trend, says Wojciech Dochan

As we reach retirement our need for protection decreases, right? Wrong. Ronnie Martin explains how changing lifestyles mean the over-50 market is growing

If you are thinking about advising clients on long term care insurance, you need to know what the State will provide. Chris Ellicott takes a comprehensive look at this complex funding area

The underwriter will, in the first instance, look for a full disclosure from the applicant. This will usually be with a point of sale questionnaire designed to elicit the key areas of concern. These are date of onset, cause, whether the person is still...

David Macgregor reports on how manual workers often find it hard to obtain good quality income protection