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Protection

Key points

Quality and range of cover - For protection products such as critical illness cover and income protection not all products are the same. The quality and range of cover is important and consideration needs to be given to the specific definitions for each benefit. It is also important to know what is excluded.

Service - For life assurance and health cover the underwriting process is also important especially if getting the cover in force quickly is a consideration.

Claims handling - this is perhaps the most important factor as it doesn’t matter how cheap a product is or how many benefits are provided if they won’t pay out when you need to claim.

Financial strength - It is reassuring to know that the company you are covered by is well resourced and is likely to be around in ten or twenty years time.

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