Various types of exclusions are found in life and health insurance policies. James Shattock explains why they exist and that discounts for underwriting exclusions are now here to stay

With change in the air for the NHS, Ian Talbot discusses the importance of absolute clarity when advising clients on private healthcare

International PMI is a careful mix of local know-how, global scope and international presence. Karsten Steffgen outlines the details of a successful approach to IPMI

International private medical insurance has moved much more to the fore of many advisers minds in recent months. Teresa Rogers gives a primer for those considering entering this potentially lucrative market sector

David Houghton-Brown discusses the universal lessons and pitfalls learnt from Medicals Direct's foray into European markets

US healthcare is often derided for being unfair and primarily profit-focused but, asks Peter Mills, is there anything that the UK can learn from the world's most expensive healthcare system?

My client has recently purchased a life and critical illness (CI) plan and noticed it included free child's cover, although it does have significant exclusions. She is now interested in covering her child to the same level of herself and her partner....

With the Government publicly looking to significantly cut welfare benefits spending, is it compliant with regulation for advisers to be raising clients' awareness of this and using it as a tool to increase protection sales, bearing in mind that the widows...

For those considering the sector, Andy Couchman rounds up the main themes impacting IPMI over the past year and the one to come

Last month's issue included a fascinating article on the concept of outsourcing disability benefits to the mutual insurance sector and an income replacement top-up which would be paid in addition to State Benefit (page 6 COVER Aug 2010).