Industry news and views from Panacea and our partners.
Cura
Cura: Practical Protection Podcast: Think Outside the Box
There are lots of ways to build protection recommendations, a lot of the time it’s straightforward, but sometimes getting creative is necessary. I would like to make sure I’m clear that being creative must still be compliance approved!
Practical Protection Podcast - Overdisclosure
This episode focuses on on overdisclosure. There is a lot of discussion in our industry about underdisclosure or non-disclosure, but not a lot of focus is put on the times when people tell insurers too much.
CURA: Practical Protection Podcast - Underdisclosure
This episode focuses on underdisclosure in protection insurance. Also known as misrepresentation or non-disclosure, this is a situation that everyone wants to avoid. Underdisclosure might not change the terms of insurance, but, it can lead to prices or sum assureds changing, and in the worst case a policy being cancelled from inception.
Cura: Practical Protection Podcast: Fatty Liver Disease
The options for life insurance, critical illness cover and income protection can vary quite a bit, depending upon the cause of the fatty liver and the stage that it is at. The good news is that the liver has a brilliant capacity to heal itself, so there can often be options for insurance.
Cura: Practical Protection Podcast: The Value of Lasting Powers of Attorney
The latest podcast is focused upon Lasting Powers of Attorney. I am not an expert in this area, but I am sharing what my personal experience was of having these in place for both of my parents, when tragedy struck.
Cura: Practical Protection Podcast - FCA Protection Market Study Interim Report
The good news is that the FCA thinks that the protection industry is working really well, it just needs a couple of tweaks. I am going through their review of insurance costs, claims, complaints, the role of commissions, restricted panels, loaded premiums and more.
Cura: Practical Protection Podcast: Vulnerable Clients
This protection podcast episode explores vulnerable clients, covering common vulnerability types, how to build a register, and practical ways to support clients and colleagues.
Cura: Practical Protection Podcast: FCA Protection Paper
Hi everyone, I have been taking at look at the recent paper from the FCA, that has been written to give an initial view of how the industry works, the players in it, potential consumers and outcomes from accessing insurance.
Cura: Practical Protection Podcast: Neurofibromatosis
Hi everyone, we are talking about neurofibromatosis, a rare condition that causes tumours to develop in the body. The tumours are not usually cancerous, but it is still a condition that can lead insurers to take an extra look at the insurance application.
Cura: Practical Protection Podcast: Weight Loss Drugs
We are back and talking about the use of weight loss drugs and getting protection insurance. Millions of people in the UK are now taking drugs like mounjaro and ozempic, to help them reach a healthy weight.
Cura: Practical Protection Podcast: Critical Illness Cover in Trust
There is a strong focus in the industry on placing policies into Trust, and for good reason. In most cases, using a Trust is straightforward and ensures the policy is structured correctly for clients. Cura highlights that while there are a few exceptions, it’s generally an important step that shouldn’t be overlooked.
Cura: Practical Protection Podcast: Joint Life Second Death vs Single Life Insurance
Cura explores when joint life second death cover may be considered instead of single life cover. While these policies are usually for different purposes, there are situations where the comparison matters. This episode highlights when that applies and why advisers should be aware of it.
CURA: Practical Protection Podcast: Coeliac Disease
A lot of the time coeliac disease is not a concern to insurers looking at life insurance, critical illness cover and income protection. However there are quite a few things you should check with your client about the condition, before you assume that their insurance applications will be accepted at standard terms.
Cura: Practical Protection Podcast: Early Onset Colo-Rectal-Cancer
Hi everyone, I have Kate Baldry joining me today to share her insights into early onset colo-rectal cancer, a diagnosis that is happening more and more.
CURA: Practical Protection Podcast: Bowel Cancer and Me
Hi everyone, we are closing off season 10 with a very personal episode, with Phil Jeynes joining me to talk about his experience of being diagnosed with bowel cancer.
Cura: Practical Protection Podcast - AI and Insurance
Lisa Balboa is back and she is sharing her insights into how AI is helping insurance across the world. Lisa brilliantly explains how AI is working alongside people to improve access to insurance and better claims experiences.
Cura: Practical Protection Podcast - IHT Case Studies
I have five case studies for you this time. I’m going through life insurance options for gift planning and IHT planning.
Cura: Practical Protection Podcast - Chronic Fatigue Syndrome
Today we take a look at how living with chronic fatigue syndrome can influence your options for life insurance, critical illness cover and income protection.
Cura: Practical Protection Podcast - Cigarettes and Alcohol
We have Alan Knowles back with us and we are taking a look at how lifestyles can affect options and pricing of life insurance, critical illness cover and income protection.
CURA: Practical Protection Podcast: Income Protection Taskforce
This epidsode discusses what’s working well in the IP world and what we would like to see change if we had a magic wand. I know that my magic wand wish will not be popular with many people!
Cura: Practical Protection Podcast: International Protection
In this episode we talk about Ukraine, Russia, the US and how getting insurance isn’t the easiest thing to do. Lee takes us through how international insurance can make things far simpler for clients who move countries, if they need to make a claim.
Cura: Practical Protection Podcast: High BMI
We're back with an insurance underwriting consideration that I cannot believe we haven’t covered before: high BMI! We’ve talked about BMI in the past, but not done a specific episode, which is so bizarre as it’s something that I think every adviser has come across at some point.
CURA: Practical Protection Podcast - Simplified Income Protection
Hi everyone, we are having a theme of income protection related podcast episodes this season. I’m loving it! I personally feel that income protection is probably the most essential protection insurance product for working people.
CURA: Practical Protection Podcast - Social Media Influencers and Income Protection
It is really interesting with social media influencers as they are tending to reach out for support with their insurances, from the mindset that they need income protection.
Cura: Practical Protection Podcast - Type 1 Diabetes and Income Protection
Cirencester Friendly are joining me to discuss income protection and type 1 diabetes. We are talking about underwriting and claims, so that you can get a good idea how type 1 diabetes can be considered by insurers.
Cura: Practical Protection Podcast - Crohns and Ulcerative Colitis
We are kicking things off with a look at inflammatory bowel disease, specifically Crohns and Ulcerative Colitis, which are believed to affect well over 1m in the UK.
Practical Protection Podcast: Group Critical Illness Cover
The last episode of season 9 is all about group critical illness cover. We have recently covered group life insurance and group income protection, and whilst they are all quite similar, group critical illness cover has a couple of big differences.
CURA: Practical Protection Podcast - Hepatitis
Hepatitis affects the liver and this can lead to some difficulty in arranging protection insurance, especially critical illness cover and income protection.
Cura: Practical Protection Podcast - Group Income Protection
Hi everyone, I am back with an episode on group income protection to talk through this brilliant product and how it can help companies and employees alike.
Cura: Practical Protection Podcast - Fibromyalgia
We have Matt Rann back with us and we are talking about fibromyalgia and how this is considered in protection insurance. We are going through how fibromyalgia affects the body and mind of a person, there are a lot of symptoms and everyone is affected by the condition in a different way.