Individual CI

In a protection market that has looked pretty bleak in the last few years, critical illness (CI) insurance has been one of the few success stories. In the 20 years since its creation, the product has established itself as a market leader that had seemed impervious to the slump that has struck its stable mate, income protection (IP). It now appears however, that its good run is over and following a drop in sales in 2003, it appears the product is now in full-blown decline. Perhaps the most worrying fact about the situation is the speed with which CI's fortunes have turned. With the same swi...