Reviewing the future

Careful planners are able to ensure that periods of prosperity roll into each other, so minimising lean times. In the critical illness (CI) market, we now face the challenge of ensuring the recent good times experienced by providers and advisers don't come to an end. The good times have been rolling primarily because current CI products appeal to customers, distributors, providers and reinsurers alike. The prolonged housing boom has also helped provide a sales platform for mortgage-related CI cover. However, advances in medical science are impacting the underlying risks associated with gu...