The number and type of illnesses covered, the term of years, the premiums and reviews, the claims history and experience. It is probably no coincidence that the companies that deal through the IFA sector have much wider policies than those whose sales forces are tied to just one company.

Companies that support the IFA sector are usually quicker to react to change and to listen to what the IFAs say their clients want.

Most of the leading companies, such as our sponsors BUPA, Canada Life International, Liverpool Victoria Life, Scottish Provident, Skandia Life and UnumProvident, have consistently kept abreast of medical science and how it can assist in underwriting and claims.