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Skandia gives policyholders free online healthcare service

Skandia is to give free access to the healthcare service roadtohealth for new Skandia Protect and The Skandia Plan policyholders.

Skandia says the service encourages clients to explore the impact of their current lifestyle on future health risk. It includes an online health assessment and ongoing guidance from the online health coach.

Policyholders who took out critical illness cover after May 2007 who will also have free access to the roadtohealth online healthcare service.

Skandia head of protection marketing Ian Brown says: “Studies suggest that clients who are engaged in their own health and wellbeing live longer and healthier lives. The roadtohealth service will provide clients with an online health assessment to help them better understand their own levels of health and the impact their current lifestyle may have on their future health.

“Our range of protection products safeguards our policy holders against the financial effects of illness or death and the roadtohealth service will now help them construct healthier lifestyles. The roadtohealth online service is just one of a number of changes that we’ve recently made to our Skandia Protect polices which, as a result of our new pricing structure, are now an average 17.5 per cent cheaper.”


Lower the lapses

Times are going to get tough. Protection sales have escaped the ravages of the credit crunch and recession so far, while mortgage and investments have taken an almighty battering, but this period of calm can’t last forever. Not only will sales be hit at some point but also lapse rates will start to increase as more people lose their jobs and try to save money by cancelling their protection policies.

Cricket - thumbnail

England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.


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