Hi everyone, I am back with the final episode of season 9 and we have some changes coming up with the podcast. We are saying a very big thank you and farewell to Matt Rann who has brought our underwriting insights for the last 6 seasons. Don’t worry, we will still be continuing with underwriting insights to help you better understand your client’s circumstances and the protection insurance options that they might have.

The last episode of season 9 is all about group critical illness cover. We have recently covered group life insurance and group income protection, and whilst they are all quite similar, group critical illness cover has a couple of big differences.

The key takeaways:

• Group critical illness cover is paid for by a company but the premiums are treated as a benefit-in-kind for the people covered
• People who cannot personally get critical illness cover can be covered by group critical illness cover, but there will be exclusions for pre-existing conditions
• A case study of group critical illness cover

I will be back in 2025 with season 10 as we enter our 5th year of providing the protection insurance training for you.

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

Transcript Disclaimer:

Episodes of the Practical Protection Podcast include a transcript of the episode’s audio. The text is the output of AI based transcribing from an audio recording. Although the transcription is largely accurate, in some cases it is incomplete or inaccurate due to inaudible passages or transcription errors and should not be treated as an authoritative record.

We often discuss health and medical conditions in relation to protection insurance and underwriting, always consult with a healthcare professional if you are concerned about any medical conditions and symptoms we have covered in any episode.