I treat life and critical illness as fairly commoditised products for perfectly healthy people aged under 35. Can I do more to help them in this area?
Andrew Ward, Yoursure Subject to critical illness cover being suitable for the client, the first conversation would be about the structure of the plans, as some policies are geared to being more comprehensive and others are closer to the ABI standard. ABI+s are a great place to start for a picture of who is competitive within the market. This may leave us with only a handful of providers that are competitively priced but go the extra mile. Once the client appreciates the differences and how they apply to them, I would then get he or she to look at the illnesses covered and see how appro...
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