The bigger picture

John Joseph examines the fundamentals of critical illness policies and gives his frank opinions on the question of term versus whole life, regarding cover

For more than a decade I have been a firm advocate of clients having a whole life critical illness policy as a preference to term. After all, if independent financial advisers cannot accurately

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Insuring property damage caused by cyber attacks

Analysis: As clients in heavy industry and manufacturing look to insurance to cover property damage that occurs due to cyber attacks, Harry Curtis explores the risks that arise at the intersection of cyberspace and the physical world plus what options for cover exist for businesses facing fires, floods and explosions.

Q&A: Marc Lewis, Ecclesiastical

Marc Lewis, underwriting director for the UK for Ecclesiastical, reveals how the insurer is embracing artificial intelligence plus its plans to grow the casualty business.

Insurers face margin crush unless premiums are hiked

Data analysis: A sustainable margin recovery looks increasingly challenging for insurers with premiums needing to increase in real terms to prevent any erosion after a tripling of costs to 10.9% of premiums last year from 3.5% in 2022.