Industry news and views from Panacea and our partners.
Cura
Cura: Practical Protection Podcast - Group Life Insurance
I am back with an episode on group life insurance to talk through the key things to know when you are advising on this product. Group life insurance is very technical and it’s not possible to cover everything in this episode, but you will get a better understanding of what to watch out for as an adviser.
Cura: The Practical Protection Podcast: Thyroid Disorders
Hi everyone, we have Matt Rann back with us and we are talking about thyroid disorders and protection insurance.
Cura: Practical Protection Podcast: Gift Planning and Protection Insurance
I’m back with a short episode on how you can use life insurance to protect against the tax made on gifts. A lot of people think of gift planning as something that millionaires do and whilst that can be the case, many people are making gifts all the time without realising it.
Cura: Practical Protection Podcast - Right to Forget Cancer
We discuss the way that insurers in the EU are responding to the Right to be Forgotten. This legislation require insurers to give consumers the right to not disclose that they have had cancer when they apply for some protection insurances.
Cura: Practical Protection Podcast - IHT & Protection Insurance
Hi everyone, I am back with a short episode focused upon how you can protect against IHT with life insurance. Huge disclaimer from the start I am not a full financial adviser and there are lots of ways to do estate planning, I am just giving insight into how life insurance can work.
Cura: Practical Protection Podcast - Assisted Dying
Hi everyone, I am talking about a very emotive topic today after being approached on social media as to how insurers view assisted dying. With recent debates on passing assisted dying laws in the Scottish and Isle of Man governments, it is something that is likely to be discussed by UK insurers at some stage.
Cura: Practical Protection Podcast - Executive Income Protection
Protecting your income is one of the key things that any of us can do, to try and give ourselves financial security for the future. As with any protection insurance it’s something that we hope to never have to claim on…
Cura: Practical Protection Podcast - Atrial Fibrillation
It can be quite interesting when speaking with clients who have this condition as the medical world and the insurance world can view atrial fibrillation quite differently.
CURA: Relevant Life Insurance
In the podcast I discuss how relevant life insurance is an employer and employee relationship. It’s a thank you for your service to the company.
CURA: Practical Protection Podcast - Hypertrophic Cardiomyopathy
HCM is a heart condition that affects approximately 1 in 500 people in the UK and it can potentially be a higher risk for a life insurance claim.
Cura: Practical Protection Podcast - Keyperson Insurance
I remember quite a specific debate with a tax adviser who was saying their client needed keyperson cover because they wanted the tax advantages of the premiums, but what they needed the insurance to do was shareholder protection.
Cura: Practical Protection Podcast - Anitphospholipid Syndrome
This time we are focusing on Antiphospholipid syndrome (APS). This is an autoimmune condition that increases the chance of someone developing blood clots.
Cura: Practical Protection Podcast - Rheumatoid Arthritis
Rheumatoid arthritis and the treatment for it can affect a lot of areas in the body and it’s a condition that tends to get worse over time, so insurers usually want to know about it.
Cura: Practical Protection Podcast - Business Property Relief
In this episode I am explaining what BPR is and why it’s so important that we look out for it, as some people might have wandered into an arrangement that could potentially have this tax benefit without even realising it.
Cura: Income Protection Claims
I have Debbie Smith who is the Chief Medical Officer at Swiss Re with me to talk about the trends that she is spotting when it comes to income protection claims.
Cura: Practical Protection Podcast - Insurtech and Health Data
We have Lisa Balboa back with us giving her insights into insure tech and how this could change the way that insurers underwriter insurance applications and give ongoing health support to their policyholders.
Cura: Practical Protection Podcast - Total Permanent Disability
We are talking about Total Permanent Disability, a potential claimable condition on most UK Critical Illness Contracts. We are talking about how TPD claims work and also the difficulties that can be experienced in placing a claim for this condition.
Cura: Practical Protection Podcast - Episode 4 - Market Trends
We are looking at the types of advice that we are seeing advisers giving, the differences in consumer behaviour across genders and different age groups, plus the most common disclosures that we see in protection insurance applications.
Cura: Practical Protection Podcast - Protecting the Whole Family
I have Rich Horner from MetLife joining me in our latest episode where we reflect on IPAW 2023 and discuss ways that you can protect your clients that don’t sit within life insurance, critical illness cover and IP products.
Cura: Practical Protection Podcast - Income Protection Task Force
We are joined by the Income Protection Task Force. Their job is to promote income protection to consumers, encourage advisers to engage in income protection conversations more and work with insurers to improve our industry.
Cura: Practical Protection Pdocast - Kidney Disease
Matt is taking us through the connections between kidney function and blood pressure, how family history of polycystic kidney disease can affect applications and how a GP’s perspective of chronic kidney disease can be quite different to an underwriters.
Cura: Practical Protection Podcast - Claims Data
We are talking through how much was been paid out in protection in 2022, the successful stats rate of different products, the biggest cause of claims and our thoughts on terminal illness cover too as the stats on these can be confusing.
Cura: Practical Protection Podcast - IPTF
We are back with Season 8 of the Practical Protection Podcast and today it is all about income protection. We have Jo Miller, Katie Crook-Davies and Andrew Wibberley joining us from the Income Protection Task Force.
Cura: Practical Protection Podcast - Kidney Disease
We are going through how kidney disease can influence a person’s options for life insurance, critical illness and income protection. We are talking about the things that underwriters need to know about your client’s kidney disease to give you an accurate indication of terms.
Cura: The Practical Protection Podcast - Claims Data
We are talking through how much was been paid out in protection in 2022, the successful stats rate of different products, the biggest cause of claims and our thoughts on terminal illness cover too as the stats on these can be confusing.
Cura: The Practical Protection Podcast - Sarcoidosis
We are talking about a rare condition in this episode, one that can affect multiple organs in the body. Sarcoidosis affects 1-2 people in every 10,000 so it isn’t a condition that every adviser will come across during their work, but it’s important to know about it as terms could be anywhere from standard to a decline.
Practical Protection Podcast: The need for change
I’m joined by Roy McLoughlin and Lee Robertson and we are sharing our thoughts on how protection insurance is working right now. Regulators, government, financial advisers, protection education, we are not holding back on what we think.
Cura: The Practical Protection Podcast - Lung Cancer
There are 43k cases of lung cancer diagnosed in the UK each year. When it comes to life insurance, critical illness and income protection there are a lot of considerations given to the survival rate of people diagnosed with lung cancer, as unfortunately only 16% of cases are caught in the early stages.
Cura: Practical Protection Podcast - Economic Abuse
I am talking with Lauren Garrett from the SEA Charity, an organisation that is dedicated to helping people that have experienced economic abuse.
Cura: The Practical Protection Podcast - Pilots Insurance
Pilots have usually looked at loss of license insurance before and this is a good policy, but more and more are starting to see the benefits of income protection as an alternative.