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Beware the risks in ceding life policies

01 October 2012

Life insurance claims pay-outs are complex at the best of times. Circumstances beyond your client’s control can result in their life policy not performing as intended. Both advisor and policyholder should take steps to avoid the following cession nightmare.

The top tip for income protection is to get the balance right

01 October 2012

Experts in the income protection space are urging both financial advisers and their clients not to rely on Lump Sum (Capital Disability) products to provide a ‘one cover fits all’ disability solution… Sensible income protection strategies demand a balance between capital lump sum and income replacement benefits.

Underwriting ‘the Big C’

01 October 2012

Cancer is a dread disease that nobody wants to face. It imposes severe financial and emotional hardships on both the sufferer and their family, especially if contingency plans for such eventualities are not in place. Advances in underwriting practices mean that you can offer your clients risk covers based on their specific needs.

Going beyond life stages in assessing risk

01 August 2012

The past decade has seen an evolution towards the life stage approach of assessing your clients’ risks. Financial advisors using this method tend to place their clients in “boxes” or “categories” possibly without due consideration for their individuality. To date there is no research-backed evidence to support applying a life stage only approach to risk insurance.

quick poll

Question

If you had to hazard a guess, when do you reckon the COFI Bill will be signed into law?

Answer

2026, as promised 2027 looks more likely Impossible to say More consultation needed

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Partial disability: Ignore it at your peril!

01 August 2012

Maximising retirement income with underwritten guaranteed annuities

01 August 2012

Navigating the complex world of critical illness definitions

01 August 2012

Giving emerging technologies the “nod”

01 August 2012

Why planners should not have issues with financial products

01 August 2012

Cancer should be top of mind when writing Critical Illness covers

01 August 2012

Don’t go it alone – make sure you have Temporary Income Protection!

01 August 2012

Beware the “double whammy” risk in disability

01 August 2012

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Magazine Archives FAnews & FAnuus / Life

Beware the risks in ceding life policies

The top tip for income protection is to get the balance right

Underwriting ‘the Big C’

Going beyond life stages in assessing risk

Partial disability: Ignore it at your peril!

Maximising retirement income with underwritten guaranteed annuities

Navigating the complex world of critical illness definitions

Giving emerging technologies the “nod”

Why planners should not have issues with financial products

Cancer should be top of mind when writing Critical Illness covers

Don’t go it alone – make sure you have Temporary Income Protection!

Beware the “double whammy” risk in disability