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Group Risk Comment
The right tools for the job
In Information to demonstrate the return on investment (ROI) of group risk products is in woefully short supply, in marked contrast to what is available across the Atlantic, and needs to be addressed if the UK market is to grow, said delegates at last month’s Group Risk Adviser Forum. But it was accepted that getting robust data is difficult, and advisers pointed out that there are ways of using what statistics there are to demonstrate value to employer clients.
Little knowledge is a dangerous thing
The removal of the earnings cap, the roll-back of state benefits and the role of self-paid IP are all impacting the group risk market. Edmund Tirbutt reports
Lateral thinking
The group risk industry needs to get out of its silo if it is to profit from auto-enrolment says Edmund Tirbutt
Critical acclaim
Critical illness cover is inching its way up the corporate agenda. Edmund Tirbutt finds the product being used to soften the blow when benefits are removed elsewhere
Pressure rising
Group risk rates are hardening for a number of reasons. Can the industry take these increases in its stride? Edmund Tirbutt reports
Dip in the pool?
International pooling should pay dividends to companies with overseas operations. Edmund Tirbutt asks why more advisers aren’t dipping their toe in the water
Early mover advantage
Making early intervention a reality is all about engaging the managers. Edmund Tirbutt discovers advisers are finding this a hard nut to crack
Catalyst for a review
The jury is out as to whether employers will trim risk benefits to make way for pension auto-enrolment. But either way, the employer’s staging date is a perfect opportunity for a comprehensive scheme review, Edmund Tirbutt reports
Unum introduces 'foundation level' income protection offering
Unum is introducing a new foundation level of income protection cover, designed to support the nine out of ten UK employees who do not currently have a financial back-up plan in place against long term illness or injury.
Risks for irresponsible employees
Are employers forgetting their responsibilities and ignoring the help group income protection cover can provide, asks Paul Avis, sales and marketing director at Canada Life Group Insurance
Longevity looming
An ageing working population will change both the types of claim that are made and the way employees want to be covered says Edmund Tirbutt
Shaping up for the shake up
The group risk market is getting in shape in time for auto-enrolment says Carlos Correia senior consultant, risk benefit consulting, at LCP
Upsell opportunity
Voluntary benefits are being touted as a way to grow the group risk market. Edmund Tirbutt sees most potential where there is at least some employer contribution
Sick of waiting for a better system
The Frost/Black review of sickness absence should be a platform for radical changes with early intervention a priority says Katharine Moxham, spokesperson for Group Risk Development
Template for growth
Will Grid’s new industry-wide service standards and quotation templates commoditise the sector? Edmund Tirbutt investigates
After the DRA storm
Questions around age discrimination persist despite the Default Retirement Age exemption says Edmund Tirbutt
Grid service standards charter and new business templates set for September launch
Grid’s service standards charter and new business templates are to be launched on its website in September.
Onwards and upwards
Cross- and up-selling group risk to people already on technology platforms is the next step in growing the market says Paul Avis, sales and marketing director of Canada Life Group Insurance
A double edged sword
Auto-enrolment presents opportunities and threats to the group risk sector. But which are the greater, asks Edmund Tirbutt
