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Streamlining Claims, Expanding Inclusivity, and Promoting Transparency

Streamlining Claims, Expanding Inclusivity, and Promoting Transparency

Legal and General have taken a significant stride in enhancing customer convenience and efficiency through its online claims submission capability for life, critical illness, and terminal illness policies. This digital advancement empowers policyholders to navigate the often complex and emotionally challenging process of making claims with ease and convenience, all from the comfort of their own homes. By embracing this online platform, customers can streamline their claims submissions, reducing paperwork and minimiding the administrative burden during trying times. Advisers can also notify Legal and General on behalf of their clients about the requirement to make a claim online.

Guardian’s recent enhancements to HIV underwriting for life cover represents a positive step towards inclusivity and progressive insurance practices. Subject to meeting specific criteria in terms of age, CD4 count, and viral load, Guardian can now offer terms for life cover without requiring further medical evidence. By refining their approach to underwriting individuals living with HIV, Guardian has not only removed historical barriers but also acknowledged the remarkable advancements in HIV treatment and care.

Vitality’s recent launch of their claim’s statistics demonstrates not only the uniqueness of their products but also the excellent engagement they have with their clients. It is good to pull out the positive statistics, one such example below:

For more information on the claims statistics from Vitality, you can visit this link: Vitality Claims Statistics.

I was delighted to have an article recently published about the ‘Day in the Life of……Me!’ You can find out more about my daily activities by visiting this link: Day in the Life of Niki Cooke.

One of the key areas I am keen to focus on is how “Mortgages, and particularly protection, are often viewed as a necessary evil rather than as an opportunity to protect what’s most important to your future.” The collaboration between the mortgage and protection industry is fundamental to making this change happen.

Very much looking forward to a full week ahead for Income Protection Awareness Week and what the Income Protection Task Force (IPTF) have planned. You can visit the IPAW programme here  I really enjoyed reading Shaun Ware from The Exeter’s article here Income Protection Awareness Week’s ‘difficult third album’ | Money Marketing encompassing the challenges faced in ensuring the content offered this third time around remained fresh, relevant and engaging.

And finally, our Protection Specialist Joanne Legg will be hosting a webinar on Wednesday, 20th September 9-10am demonstrating the key benefits of PGPro and how this solution can enable protection recommendations seamlessly while meeting consumer duty obligations. You can register for your place here: Register for a protectiongurupro webinar – Protection Guru

Elsewhere on PRotection Guru Last week

About The Author


Niki Cooke has over 20 years’ experience in the financial services industry, in particular in the advise-tech sector, where she has worked for the likes of iPipeline, Intelliflo and Twenty7Tec Group. Niki recently joined FTRC/Protection Guru as Chief Revenue Officer, supporting the business in it’s growth and development of protection focused adviser research tools and working with the wider industry to help grow the protection market.

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