these were financial and mortgage advisers, they also included banks, building societies and insurers. The market research company, Research International, carried out 80 mystery shops to 51 firms in total, to report on what actually occurs. Director of Retail Firms, Sarah Wilson, has said that whilst many of the findings were positive, a few problems had been identified. Initiatives have been launched in order to deal with them. The fair treatment of customers is of prime importance, especially with regard to making policy application forms and documents more easily understood. So far these changes seem to be helpful. Critical illness cover is, however, complex and some of the problems cropped up in the context of the financial promotion of the schemes and general insurance documentation. Customers sometimes have difficulty in comprehending exactly what they are being sold. Therefore it is difficult for them to assess whether this is the correct cover for them, or whether a payment of income protection product would be more suitable. The needs of the customer have to be taken into account and there should be a careful assessment of the type of protection which they need. However, where there were two or more types of policy, the cost was sometimes the only aspect taken into account when recommending the most suitable one. Other factors may have been left out of the equation, such as conditions covered or whether there were other products more suited to a particular clientÆs requirements. Miss-selling is a risk, but most firms had taken reasonable measures to manage this. There were found to be good training programmes and risk based monitoring. As is the case with prime mortgage payment products, customers have time to consider their options before they make the decision to purchase the cover. The results of the survey offer some reassurance that the needs of the customer are being protected and any changes to be implemented can only offer change for the better. Title: Critical Illness Insurance. Critically Important û Time To Take Cover Word Count: 540 Summary: Back in 1999, the Imperial Cancer Research Fund stated that one in every three people in Britain will be diagnosed with cancer at some point in their life. With rapid medical advances the chances of survival from a major illness are improving but the consequences of suffering such an illness continue to be substantial and life-changing. Critical illness insurance policies are designed to help you cope
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Arik Alyse Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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