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Sponsored
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Sponsored by Pepper Money<\/p>\n
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Change to definitions<\/p>\n
Wynn said the review had enhanced total permanent disability (TPD) definitions for 67 occupations, moving occupations from the working tasks definition to an own\u2011occupation definition.<\/p>\n
The improvements are designed to make the claims process clearer and more straightforward, giving customers greater confidence and peace of mind should they need to claim, according to Royal London.<\/p>\n
This alignment ensures that policies continue to meet the needs of policyholders whose careers may not follow traditional trajectories.<\/p>\n
Vicky Churcher, executive director at the Income Protection Taskforce (IPTF), said the new definitions would help to serve those who are often excluded by standard income protection policies.<\/p>\n
She added: \u201cThe IPTF welcomes developments that seek to broaden access to insurance, particularly for under-served groups such as the self-employed and those with non-traditional career paths. As the nature of work continues to evolve, ensuring that products, definitions and eligibility criteria keep pace is an important step in improving accessibility and relevance. Initiatives that support clearer cover and reflect modern working lives can help more people understand and engage with income protection.<\/p>\n
\u201cWe look forward to seeing continued progress across the market that supports greater inclusion, consistency and confidence for both advisers and consumers.\u201d<\/p>\n
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Self-employed unaware<\/p>\n