As well as writing for Protection Guru, Amanda Newman Smith is the feature writer at adviser trade publication Money Marketing. She started her career at a local newspaper in London and has been writing about protection products since 2000. In her previous role at Money Marketing she specialised in analysis of new financial products, including those in the protection market.
Having recently become interested in antiques, Amanda spends her free time with her husband and their three children, hunting for unloved pieces to restore to their former glory.
It is a hidden Gem, and we write lots of it, however the current offering is limited with Guardian not offer indexation and Aviva’s unique offering pricing themselves out of the market, leaving Legal & General, LV, Royal London, Scottish Widows and Zurich usually, which when it comes to underwriting can be very frustrating, when all it takes for Legal & General and Zurich to decline waiver of premiums is for you to sneeze.
We love Family Income Benefit, however, the market as a whole, needs to improve in my opinion.
It is a hidden Gem, and we write lots of it, however the current offering is limited with Guardian not offer indexation and Aviva’s unique offering pricing themselves out of the market, leaving Legal & General, LV, Royal London, Scottish Widows and Zurich usually, which when it comes to underwriting can be very frustrating, when all it takes for Legal & General and Zurich to decline waiver of premiums is for you to sneeze.
We love Family Income Benefit, however, the market as a whole, needs to improve in my opinion.