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In response to a number of enquires on the subject, across a range of typical protection merchandises we would anticipate the following result in the event of a claim:

Would we anticipate a policy to wage out?

Life Insurance YES

Income Protection YES

Mortgage Payment Protection Insurance YES

Critical Illness Screen NO

Private Medical Insurance NO

Source: www.lifesearch.co.uk

Life Insurance:

Full pay out as expected. There are no exclusions that we would anticipate to impact upon a claim.

Income Protection (IP):

Full wage out as expected when not able to earn as defined by the policy.

Mortgage Payment Protection Insurance (MPPI):

Full wage out as expected (as long as the client cannot work according to the policy’s definition of disability).

Critical Illness Screen (CIC):

As bird influenza is not a listed status we would not anticipate this type of policy to pay out unless the impact of the disease was such as that the client could never work again on a ‘total and permanent’ basis.

Private Medical Insurance (PMI):

We are told by Phil Taylor, Managing Director of independent PMI specializer Preferred Medical that as soon as the condition, or a related to condition, goes acute it is likely that the patient would be admitted through A&E to an New Hampshires installation where Intensive Care installations would be available. There is virtually no proviso of Intensive Care in the private sector.

Senior Technical Adviser, Kevin Carr, said ‘Income protection and life self-assurance policyholders should not be concerned regarding their protection insurance policies in relation to any possible eruption of bird influenza and it is deserving noting that very few Critical Illness policies are sold without life cover. This illustration is a additional blurb of the United Kingdom public’s need for Income Protection as we are all more than likely to lose our income through disablement than we are to go through away.’