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Consumer Duty does not ban loaded premiums but FCA may review issue
The Financial Conduct Authority (FCA) has confirmed its Consumer Duty does not explicitly prohibit the controversial practice of loaded premiums where premium rates are inflated to pay distributors and advisers higher commission....
Read moreKey actions for advisers and insurers to get more women protected – IPTF
Women In Protection research showed that one group of people worry about their health and finances more than another group of people. Yet that same group buy almost 50% less insurance that...
Read moreAviva test project bringing group risk and PMI schemes together
Aviva is seeing group risk and private medical insurance (PMI) schemes being brought together as clients and advisers are seeking to get greater value from their premiums. The insurer told Health &...
Read moreTalent shortfall and Covid fallout drive unprecedented demand for group risk benefits – analysis
The combined impact of the pandemic and an intensifying war for talent has meant demand for group risk benefits from employers has never been so high. While advisers do not think mandatory...
Read moreTreasury and FCA ‘circus’ dodges responsibility as poorest excluded from insurance
HM Treasury and the Financial Conduct Authority (FCA) need to take responsibility for solving the problem of the poorest people being locked out of insurance cover, Fair By Design has urged. The...
Read moreFCA clears complaints backlog as commissioner slams ‘unjustified’ compensation stance
The Financial Conduct Authority (FCA) received 1,212 complaints in the 2021/22 financial year, 24% fewer compared to 1,596 in 2020/21, allowing the regulator to clear its complaints backlog. The regulator added that...
Read moreShortlist announced for Best Diversity & Inclusion Strategy award
The shortlist for Best Diversity & Inclusion Strategy at the UK Health & Protection Awards 2022 has been revealed. Six insurers from across the health and protection industry have been shortlisted for...
Read moreConsumer Duty brings greater emphasis on adviser responsibility to write or refer protection cover – Thomson
It’s three years ago since my operation to remove a tumour having been diagnosed with breast cancer a few weeks previously. Thankfully I had a brilliant surgeon, my treatment was successful, and...
Read moreIntroducing… Lizzie Bell, London Mortgage Partners
Lizzie Bell, protection adviser at London Mortgage Partners, speaks to Health & Protection about her passion for mental health, why people thinking of entering the sector should not think of insurance as...
Read morePlight of IP clients with long-term conditions risks customer harm – Wilkinson
There is an important aspect of diversity and inclusion which is under the radar and requires focus for the industry - the plight of so many people living with health conditions who...
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