Covering a wide variety of scenarios Regardless, there’s no doubt that CIC can provide significant levels of coverage. But claims on common issues, like musculoskeletal or mental health conditions, often aren’t available. IP can cover this. And it’s worth thinking about, as in 2024, 38.8% of our IP claims were for skeletal conditions. In fact, a significant number of claims that clients will see accepted on IP plans, CIC just won’t cover. Case-by-case considerations Importantly though, every client is different. And when making the choice, there might be other benefits from work to consider, like death in service or sick pay. But sick pay usually only lasts a fixed period and won’t include bonus, commission or other benefits. Plus, there may also be previously purchased cover from a different adviser. No two clients are the same, so no two solutions should be either. Finding the right blend Choosing the right combination of cover is about taking into account their personal circumstances, employee benefits and existing cover. From there, you should highlight gaps in their arrangements and find solutions that give the most financial resilience to keep their plans and lifestyle on track. But in my experience, a blend of Critical Illness and Income Protection can be a very effective, holistic approach for many clients – covering the gaps to help protect them, whatever happens. If you’d like to find out more, why not visit our dedicated adviser hub. 13 AUTUMN PROTECT NEWSLETTER Legal & General Assurance Society Limited. Registered in England and Wales No. 00166055. Registered office: One Coleman Street, London, EC2R 5AA.
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