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Keeping track with a clients life – Have Vitality raised the Income Protection bar?

Keeping track with a clients life – Have Vitality raised the Income Protection bar?

About The Author

Adam Higgs

Adam leads Protection Guru's detailed protection research and benchmarking of both product and operation features provided by insurers and has a vast knowledge of the protection market. He has been instrumental in building the protection comparison service Quality Analyser and maintaining the data to enable adviser to quickly and easily compare protection products based on qualitative measures. He also works with adviser firms to help in panel reviews and with insurers to help them understand the shape of the market, their strengths and the areas that could be improved in their products. In his spare time and when not spending time with his wife and two children, Adam is a keen Arsenal fan and enjoys hacking his way around a golf course.

1 Comment

  1. Warren Robins

    Hi Adam,
    Having just looked into GIO for an Aviva IP client and I read their policy document as making their GIO of no benefit, as it has the same impact as taking out a new Aviva policy with full underwriting, as it excludes any pre-existing conditions suffered since the original policy started due to these two clauses, which defeats the object of having GIO, in my view.

    • We won’t cover you for any incapacity which arises prior to
    the start of the new policy or prior to the life change event
    occurring.
    • We won’t cover you if the condition was diagnosed or you
    suffered symptoms (whether diagnosed or not) before the
    start of the new policy or prior to the life change occurring.

    I’d welcome your thoughts on the impact of these conditions on the benefit of their GIO

    Warren Robins

    Reply

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