Critical Thinking Adviser Survey 2026

1

Thanks for taking part!

We’re building on the success of our Critical Thinking 2024 Report and would love your insight to help us better understand the Life, Critical Illness and Income Protection markets.

This should take around 10 minutes to complete.
2

How We Use Your Data

Your answers are anonymous and included only within the overall statistics, so nothing can be linked back to you or your company - so please share as openly as you can.

In the final open-text question, you can choose whether we may quote your comments. If you don’t opt in, we’ll still use your feedback - just not quote it.
3

Client Awareness
Understanding your clients existing awareness of products
4

About the Terms We Use

Critical Illness Cover (CIC) refers to both Critical Illness Cover and Serious Illness Cover (SIC).

Income Protection (IP) is used for all Income Protection products
5
Roughly what percentage of your protection business is made up of Life Insurance, CIC (including SIC), and Income Protection?* This field is required.Select one answer in each row
0–24%
25–49%
50–74%
75–100%
Critical Illness Cover (including SIC)
Row 0, Column 0
Row 0, Column 1
Row 0, Column 2
Row 0, Column 3
Income Protection
Row 1, Column 0
Row 1, Column 1
Row 1, Column 2
Row 1, Column 3
Life Insurance
Row 2, Column 0
Row 2, Column 1
Row 2, Column 2
Row 2, Column 3
Critical Illness Cover (including SIC)
Income Protection
Life Insurance
0–24%
Row 0, Column 0
25–49%
Row 0, Column 1
50–74%
Row 0, Column 2
75–100%
Row 0, Column 3
0–24%
Row 1, Column 0
25–49%
Row 1, Column 1
50–74%
Row 1, Column 2
75–100%
Row 1, Column 3
0–24%
Row 2, Column 0
25–49%
Row 2, Column 1
50–74%
Row 2, Column 2
75–100%
Row 2, Column 3
1 of 3
6
What percentage of new clients already own or understand CIC & IP before you introduce or explain these products?* This field is required.Select one answer in each row
0-24%
25-49%
50-74%
75-100%
Critical Illness
Row 0, Column 0
Row 0, Column 1
Row 0, Column 2
Row 0, Column 3
Income Protection
Row 1, Column 0
Row 1, Column 1
Row 1, Column 2
Row 1, Column 3
Critical Illness
Income Protection
0-24%
Row 0, Column 0
25-49%
Row 0, Column 1
50-74%
Row 0, Column 2
75-100%
Row 0, Column 3
0-24%
Row 1, Column 0
25-49%
Row 1, Column 1
50-74%
Row 1, Column 2
75-100%
Row 1, Column 3
1 of 2
7
Which of the following best describes your approach to advising clients about IP?* This field is required.Select one answer
I routinely recommend IP to most eligible clients
I recommend IP in some cases
I rarely recommend IP
I never recommend IP
8
Which of the following best describes why you do not routinely recommend IP?* This field is required.Select up to three
My network/compliance guidelines restrict when IP can be recommended
My role is mainly mortgage-focused, so IP is not a priority
Clients rarely show interest in IP
Clients usually decline IP due to price
I focus on Life/CIC as the primary priorities
I find IP more complex to explain than CIC or Life Cover
I lack confidence or training in advising on IP
IP products do not meet the needs of many of my clients
Clients rely on employer sick pay or savings instead
I do not believe IP is essential for most clients
Other
9

CIC Objections & Motivations
Understanding your clients common objections & motivations
10
What are the main objections clients raise when considering CIC?* This field is required.Select up to three answers
Cost is too high
They don’t think a serious illness will happen
They believe the NHS will cover most needs
Concerns about insurers paying claims
Lack of understanding about what CIC covers
CIC seen as a lower priority vs other commitments
Clients rely on employer benefits or savings
Other
11
What are the main factors influencing clients to purchase a CIC policy?* This field is required.Select up to three answers
Taking out a new mortgage
Having or planning to have children
They read/heard about someone having CIC in the media who benefitted from it
Concerns over NHS capacity and response times if they became seriously ill
Ability to use a policy's additional payments to help pay for private treatment
Marriage or a long term relationship
General financial responsibilities
Fears of ill health in general
They know someone personally who had/has CIC and benefitted from it
Starting a new job
Fear of getting cancer
Fear of having a heart attack
Fear of having a stroke
Other
12
When explaining CIC benefits to clients, which aspects do you highlight most often?* This field is required.Select up to three answers
Partially or fully paying off the mortgage
Covering everyday living expenses (e.g. bills, food, essentials)
Paying for private medical treatment
Paying for additional expenses related to having a serious illness
Allowing time off work to care for a partner or child who is seriously ill
Paying for home adaptations or improvements to support recovery
Partially or fully paying off other debts
Funding wellbeing or recovery support (e.g. physiotherapy, mental health support)
Covering childcare costs during illness
Covering the cost of holidays or family experiences
Other
13

Income Protection Objections & Motivations
Now we’d like to understand the challenges & motivations when discussing IP
14
What are the main objections clients raise when considering IP?* This field is required.Select up to three answers
They feel they can’t afford the premiums right now
They assume they would be covered through employer or the state if they couldn’t work
Employer sick pay feels sufficient
They believe they would rely on savings, a partner or family instead
They don’t think they’d be off work long enough
IP is harder to understand
Their income is variable so feel they can’t prove or predict income (e.g self-employed, business owner)
They assume insurers won’t cover their type of work / occupation
They prefer to prioritise other cover (e.g. life or critical illness)
Their income is primarily dividends so they feel that they can’t get sufficient cover
Concerns about insurers paying claims
Other
15
What are the main reasons clients choose to take out an IP policy?* This field is required.Select up to three answers
Concern about paying monthly bills if unable to work
Taking out mortgage or remortgaging
Fear of future ill health or injury
Limited (or no) employer sick pay
They or a family member have previously had time off work
Self-employed and don’t have sick pay
They want to ensure that they can keep paying into their pension if they can’t work
Peace of mind knowing they still have an income if they couldn’t work
In a manual occupation where accidents are considered more likely
Takes part in more physical sports or hobbies that could be dangerous
Part of wider protection review
Other
16
When explaining what an IP pay-out can help with, which areas do you highlight most often?* This field is required.Select up to three answers
Covering everyday living expenses (e.g. bills, food, essential)
Covering lost income while unable to work
Covering childcare costs during illness
Paying for additional expenses related to illness or injury
Allowing time off work to care for a partner or child who is seriously ill
Funding wellbeing or rehabilitation support (e.g. physiotherapy, mental health support)
Paying the mortgage or rent
Paying other essential bills or commitments (e.g. loans)
Helping maintain lifestyle or family activities during recovery
Other
17

CIC Products: Core vs Enhanced

We're now going to ask you some questions to understand how you differentiate between Core and Enhanced Critical Illness plans.
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How we define the difference?

Core policies:

Covering all full payment conditions, with a max of two additional payment conditions

Enhanced policies:

Cover all full payment conditions, with a much wider range of additional payments for less severe conditions

road categories:
19
When discussing CIC, which best describes how you present options?* This field is required.Select one answer
I usually recommend Enhanced
I usually recommend Core
I present both, but most clients choose Core
I present both, but most clients choose Enhanced
I present both equally
I don’t normally differentiate
Not sure
20
If you recommend Core rather than Enhanced CIC, what are the main reasons for this choice?Select up to three answers
Client budget / cost
Enhanced takes longer to explain
Enhanced is more complex for clients
Enhanced benefits unnecessary for some clients
I don’t understand the differences
Network/compliance leans toward Core
I prefer to keep client discussions simple
Other
21
If you recommend Enhanced CIC instead of Core, what are the main reasons for this choice?* This field is required.Select up to three answers
Clients want the broadest cover
Enhanced cancer cover is more appropriate
Payments for less severe conditions add value
Enhanced children’s cover is important
Price difference reflects the extra value
Clients understand extra value when explained
Enhanced offers better long-term protection
Other
22
Which CIC features, in your experience, most influence clients to choose Enhanced?* This field is required.Select up to three answers
Broader cancer cover including less advanced cancers
Additional Payments for less severe conditions
Enhanced payments for early-onset neurological conditions
Enhanced children's cover (more conditions)
Higher children’s payouts
Ability to choose children’s cover levels
None / Not sure`
Covers a wider range of conditions
Other
23

Single vs Joint CIC Policies
Now we’d like to understand what influences your recommendations
24
What differences between Joint and Single CIC are you most aware of ?* This field is required.Select up to 5
A joint policy ends after one full claim, leaving the other person uninsured
With two single policies, both people can claim separately if they each become seriously ill
With two single policies, both policies automatically continue if a couple separates or divorces
Added-value services (such as virtual GP access or counselling) stop if a joint policy pays out in full
Men and women have different likelihoods of claiming for conditions like heart attacks and cancer
Single policies allow tailoring for each partner’s specific needs
Children’s cover only pays once if you have a joint policy, but can pay twice if you have two single policies.
Research for Surviving Economic Abuse (2024): Found one in eight UK women with a joint mortgage experienced economic abuse related to it.
25
When advising couples on CIC (living together, married, or in a civil partnership), how often is each policy type purchased?* This field is required.Select one option per row
Always
Frequently
Occasional
Rarely
Never
One policy to cover the main household earner
Row 0, Column 0
Row 0, Column 1
Row 0, Column 2
Row 0, Column 3
Row 0, Column 4
Two single policies to cover each partner / spouse
Row 1, Column 0
Row 1, Column 1
Row 1, Column 2
Row 1, Column 3
Row 1, Column 4
A joint policy to cover both partners / spouses
Row 2, Column 0
Row 2, Column 1
Row 2, Column 2
Row 2, Column 3
Row 2, Column 4
One policy to cover the main household earner
Two single policies to cover each partner / spouse
A joint policy to cover both partners / spouses
Always
Row 0, Column 0
Frequently
Row 0, Column 1
Occasional
Row 0, Column 2
Rarely
Row 0, Column 3
Never
Row 0, Column 4
Always
Row 1, Column 0
Frequently
Row 1, Column 1
Occasional
Row 1, Column 2
Rarely
Row 1, Column 3
Never
Row 1, Column 4
Always
Row 2, Column 0
Frequently
Row 2, Column 1
Occasional
Row 2, Column 2
Rarely
Row 2, Column 3
Never
Row 2, Column 4
1 of 3
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In what circumstances do you recommend that clients purchase a Joint CI policy?* This field is required.Select one option per row
Always
Frequently
Occasional
Rarely
Never
When cheaper than two single policies
Row 0, Column 0
Row 0, Column 1
Row 0, Column 2
Row 0, Column 3
Row 0, Column 4
When the purpose of policy is mortgage cover
Row 1, Column 0
Row 1, Column 1
Row 1, Column 2
Row 1, Column 3
Row 1, Column 4
Compliance requires me to justify two separate policies
Row 2, Column 0
Row 2, Column 1
Row 2, Column 2
Row 2, Column 3
Row 2, Column 4
After explaining two single policies benefits, client prefers a joint policy
Row 3, Column 0
Row 3, Column 1
Row 3, Column 2
Row 3, Column 3
Row 3, Column 4
If it is a dual-life policy
Row 4, Column 0
Row 4, Column 1
Row 4, Column 2
Row 4, Column 3
Row 4, Column 4
When cheaper than two single policies
When the purpose of policy is mortgage cover
Compliance requires me to justify two separate policies
After explaining two single policies benefits, client prefers a joint policy
If it is a dual-life policy
Always
Row 0, Column 0
Frequently
Row 0, Column 1
Occasional
Row 0, Column 2
Rarely
Row 0, Column 3
Never
Row 0, Column 4
Always
Row 1, Column 0
Frequently
Row 1, Column 1
Occasional
Row 1, Column 2
Rarely
Row 1, Column 3
Never
Row 1, Column 4
Always
Row 2, Column 0
Frequently
Row 2, Column 1
Occasional
Row 2, Column 2
Rarely
Row 2, Column 3
Never
Row 2, Column 4
Always
Row 3, Column 0
Frequently
Row 3, Column 1
Occasional
Row 3, Column 2
Rarely
Row 3, Column 3
Never
Row 3, Column 4
Always
Row 4, Column 0
Frequently
Row 4, Column 1
Occasional
Row 4, Column 2
Rarely
Row 4, Column 3
Never
Row 4, Column 4
1 of 5
27
Has CIExpert’s “Single Is Best” campaign influenced your approach to recommending CIC?* This field is required.Please select the one statement that best describes you
Changed - how I recommend policies every time
Changed - how I recommend policies in some cases
Changed - our network/compliance guidance
Changed - influenced myself & colleagues’ to adapt their process
Not Changed - already defaulting to single life plans
Not Changed - due to company/compliance rules
Not Changed - I don’t agree with the campaign’s position on single vs joint life
Unaware of Campaign
Other
28
When recommending two Single CIC policies instead of Joint, which benefits do you most often emphasise to clients?* This field is required.Select up to three answers
The policy does not end after the first full claim - each partner keeps their own cover if the other claims
Two chances of a payout - if both partners suffer a critical illness, both policies can pay out
Children's cover can pay out twice, once under each parent's policy
Both policies continue after separation or divorce without changes or complications
Avoids risks in coercive or abusive relationships, where joint consent can create vulnerability
Allows tailoring to each partner's specific needs (e.g. pregnancy or children’s congenital)
Added-value (Health and Wellbeing) services remain in place for the non-claiming partner
Better long-term value - cost difference is small compared to the increased level of protection
Prevents one partner's medical history affecting the other (independent underwriting reduces rating issues)
Easier to align with Consumer Duty - avoids lowest-price bias and provides superior outcomes
Other
29

Claims Handling
Exploring your experience in claims handling
30
How would you describe the consistency of insurers’ claims handling based on the CIC/IP claims you’ve supported?* This field is required.Select one answer
Consistently very good across most insurers
Generally good, with some exceptions
Varies widely between insurers (mixed experience)
Generally poor, with only a few positive exceptions
Consistently poor across most insurers
Not applicable — I do not personally handle claims (handled by a claims team or admin function)
Not applicable — I have not been involved in a claim
31
Thinking about the CIC/IP claims you’ve supported, which aspects of the claims process are most challenging?* This field is required.Select up to three answers
Slow assessment or payment
Poor or inconsistent communication from the insurer
Clients having to repeat information to multiple people
Difficulty reaching the right person at the insurer
Insurer not keeping you informed
Managing conversations during a difficult emotional time for the client or their family
Delays in obtaining medical evidence
Delays in financial underwriting to assess clients income at time of claim (IP)
Confusion about definitions or eligibility
Communicating the reasons for a declined claim
Amount of time involved for which I won’t receive any remuneration
Not applicable — I have not been involved in a claim
Other
32
Supporting a claim can be emotionally difficult for clients and advisers. How are you set up to support clients at this time?* This field is required.Choose 3 most relevant to your approach
I personally support clients through the process
I involve trained team members where appropriate
My firm has a dedicated claims support specialist/team
I rely primarily on the insurer to handle communication
I check in regularly with the client
I feel well-equipped emotionally to support clients
I use my relationship with my insurer BDM if applicable
I sometimes find this part emotionally challenging
I would benefit from more training/resources
Not applicable — I have not been involved in a claim
Other
33
Would you prefer insurers to notify you whenever one of your clients makes a CIC or IP claim?* This field is required.Select one answer
Yes — always
Yes — but only with the client’s explicit consent
Yes — but only in certain situations
No — I do not need to be informed
Not sure
34

Children’s Critical Illness Cover
The next questions focus on how you discuss and position children’s critical illness cover with clients.
35
In your experience, how important is children’s cover in driving CIC purchase decisions for clients with children or planning families?* This field is required.Select one answer
A major drive - it often influences client decisions
A meaningful factor - many clients value it
A secondary factor
Not a significant factor - most clients are neutral
Clients rarely consider children’s cover at all
Not sure
36
When advising clients who do not yet have children - but may plan to - how do you usually introduce Core, Enhanced and Adult-only CIC options?* This field is required.Select one answer
I proactively explain the differences between adult-only, core, and enhanced children’s cover
I mention children’s cover only if clients talk about wanting children in the future
I usually present adult-only CIC unless the client asks about children’s cover
I rarely discuss children’s cover with clients who do not yet have children
I seldom advise clients where children’s cover is relevant
Not sure
37
When discussing Core vs Enhanced children’s CIC, what are the main reasons clients tend to choose Core?* This field is required.Select up to three answers
Clients prioritise keeping premiums as low as possible
Clients feel the core level of children’s cover is sufficient
Clients do not fully understand the additional benefits of enhanced cover
The differences between core and enhanced cover take time to explain
Clients prefer to focus their budget on adult cover
Enhanced children’s cover is not usually offered unless the client asks
I seldom discuss enhanced children’s cover unless prompted
Other
38
When discussing children’s CIC, which three features do you emphasise most to encourage clients to consider Enhanced cover?* This field is required.Select up to three answers
Broader range of conditions covered
Inclusion of birth-related or congenital conditions
Higher pay-out amounts
Ability to choose the cover amount (e.g. £10k–£100k)
Cover extending up to age 21–23
Enhanced cover provides a noticeably stronger level of protection overall
None / Not sure
Other
39
Some insurers now allow children’s CIC to be added to Life or IP policies. How often do you feel this provides meaningful benefit?* This field is required.Select one answer
Always
Frequently
Occasionally
Rarely
Never
I don't know
40

Added-Value Services (CIC)
Understanding how you and your clients value Heath & Welbeing services.
41
How often do you explain the Added Value Services included with CIC when discussing Critical Illness policies with clients?* This field is required.Select one answer
Always– it's always a factor in my discussions
Frequently – it is often a factor influencing my recommendation
Occasionally – I mention it but it is not a major factor influencing my recommendation
Rarely – only if the client shows interest or asks
Never
42
To what extent do the Added Value Services offered by insurers influence your recommendations for CIC?* This field is required.Select one answer
Always - I consider AVS essential
Frequently – AVS are an important element
Occasionally – AVS influence the choice when pricing and cover are similar
Rarely– AVS are not a key factor, but they help client engagement
Never – AVS do not influence my recommendations
43
When discussing CIC, which Added Value Services do you most commonly highlight to clients?* This field is required.Select up to three answers
Virtual GP / digital GP access
Second medical opinion / expert review
Cancer nurse support or guidance during a diagnosis
Help accessing specialists or arranging further tests
Annual health check-up /MOT
Mental health support / counselling
Emotional or practical support for the family during illness
Bereavement support
Rehabilitation support after a serious illness
Physiotherapy / musculoskeletal support
None — I rarely highlight CIC added-value services
Other
44

Some CIC insurers now offer optional paid-for medical support services, for an additional monthly fee, such as:

Access to advanced tumour profiling and personalised cancer treatment

-
Clinical-trial support

-
Specialist treatment available overseas
45
How often do you feel these optional paid-for, for a monthly fee, medical support services add meaningful value?* This field is required.Select one answer
Always — I routinely discuss them as part of my CIC advice
Frequently— I introduce them for many relevant clients
Occasionally — I mention them when clearly appropriate
Rarely — I only raise them in specific or unusual cases
Never— I don’t recommend or discuss these services
I was not aware these services existed
46

Income Protection in more detail
The following section explores your approach to advising on Income Protection in more detail.
47
To what extent do IP Added Value Services, such as early intervention, rehabilitation, mental health support & physio, help you explain/recommend IP?* This field is required.Select one answer
Significantly
Somewhat
A little
Not at all
Not sure
48
Which Income Protection Added Value Services do you find most helpful when explaining or recommending IP to clients?* This field is required.Select up to three answers
Early intervention to help prevent long-term absence
Quick access to physiotherapy or musculoskeletal support
Quick access to mental health support (e.g. counselling, therapy)
Help planning a return to work after illness or injury
Support speaking with the employer about workplace adjustments
Ongoing rehabilitation support during recovery
Virtual GP access
Second medical opinion for ongoing or complex conditions
None of these
Other
49
Which aspects of IP are most effective in engaging clients and starting the conversation?* This field is required.Select up to three answers
Explaining IP simply as a replacement for income
Showing how long employer sick pay actually lasts
Using real-life case studies or examples
Showing how recovery from illness/injury can take longer than expected
Demonstrating how IP supports long-term financial stability
Relating the cover to their job, industry or working pattern
Breaking down cost vs benefit (affordability framing)
Showing how IP integrates with CIC and Life Cover
Highlighting added-value services (e.g. rehab, mental health support)
Linking IP to financial resilience or budgeting
Other
50
When advising a couple, how do you typically approach IP provision for the secondary earner (e.g. homemakers or non-working partners)?* This field is required.Select one answer
Protecting the primary earner is the priority; I only recommend IP for the partner if there is additional budget.
I advise both lives equally, as both contribute to the household’s overall financial resilience.
I generally do not recommend IP for secondary earners as I don’t believe it is relevant for them.
I often find the available IP policies do not meet the needs of homemakers / non-working partners.
It depends on the household’s circumstances (e.g., caring responsibilities, affordability, existing benefits).
Don’t know / prefer not to say.
51
How important are clear work definitions such as “Own Occupation” and “Suitable Occupation” in helping clients trust IP?* This field is required.Select one answer
Very important — significantly increases client trust
Important
Somewhat important
Not very important
Not important at all — has no impact on client trust
Not sure
52
If more insurers offered an “Own Job” definition, where a claim is based on being unable to perform a client’s specific job role, would you recommend it?* This field is required.Select one answer
Yes — I would recommend it more often, even at a higher cost
Yes — but only if the cost difference was small
Possibly — depending on the client
No — clients are too cost-sensitive
No — standard “Own Occupation” definitions are sufficient
Not sure
53

Income Protection Flexibility Options
Your views on the flexibility options that make IP more accessible.
54
When arranging IP, which income-related factors most often become barriers to recommending or securing suitable cover?* This field is required.Select up to three answers
Clients who take income mainly as dividends
Clients with variable earnings (bonus, commission, overtime)
Self-employed clients who are unsure how much income they can protect
Clients who frequently change employment status
Clients with mixed income types (salary + freelance/gig work)
Clients with recent changes in earnings (new business, job change, career switch)
Other
55
If IP adapted more clearly to modern work and income patterns, which changes would make the biggest difference to uptake?* This field is required.Select up to three answers
A version of IP specifically designed for people taking income mainly as dividends
A version of IP built for variable income (bonus, commission, overtime)
More flexible cover for self-employed clients
Minimum benefit guarantee as a standard product feature
More certainty if claims were linked to income verified at application
Products designed for mixed income (salary + freelance/gig work)
A version of IP that continues cover during maternity or paternity leave
Cover that adapts when clients change jobs or employment status
Better options for zero-hours or gig-economy workers
Simpler evidence requirements for clients with multiple income streams
Other
56
When advising clients whose work or income may change over time, which product features would most improve IP flexibility or portability?* This field is required.Select up to three answers
Cover that remains valid when clients move between employed and self-employed status
Easier ways for clients to update income evidence when earnings change
Cover that allows temporary breaks in premiums during short gaps between jobs
Cover that remains in place during periods with no work (e.g. between contracts)
Cover that flexes with changes in a parent’s working hours or income due to childcare responsibilities
Ability to change (or split) deferred periods to align with future work changes
Support for multi-job or portfolio careers (e.g. two or more part-time roles)
Other
57
In your experience, which misconceptions do clients most often have about IP?* This field is required.Select up to three answers
IP is only for self-employed people or those with no sick pay
IP only pays out for accidents or illness not both
IP will cover me for redundancy
IP doesn’t cover mental health-related absences
IP doesn’t cover back problems or musculoskeletal issues
IP pays their full salary (rather than a percentage)
They have to pay tax on the IP payout
IP is only for people who work, not for ‘housepersons’
Employer sick pay means they don’t need IP
IP is always too expensive
IP won’t cover the risk associated with the work I do
Insurers will find a reason not to pay a claim
Other
58
Thinking about your typical recommendations, which protection combinations do you most often recommend to clients?* This field is required.Select up to three answers
CIC only (no IP)
Short-term IP only (no CIC)
Long-term IP only (no CIC)
Short-term IP with CIC covering around 50% of the mortgage
Short-term IP with CIC covering 100% of the mortgage
Long-term IP with a small CIC amount (e.g. £25k–£50k)
Long-term IP with CIC covering around 50% of the mortgage
Long-term IP with CIC covering 100% of the mortgage
It varies too much to generalise
Other
59
When discussing IP with clients, which points, if any, do you raise about working later in life and protecting retirement plans?* This field is required.Select up to three answers
I explain that IP can help clients continue funding their pension to an older retirement age
I explain that losing income through illness can reduce future pension contributions
I link long-term IP to protecting future retirement planning
I only raise these points with clients over a certain age
I rarely use this type of explanation
I never use this type of explanation
The maximum entry age for IP (55) often restricts my ability to recommend cover to older clients
Not sure
60

Open Questions
To finish, we’d really value your thoughts in your own words. These final questions give you the chance to share anything you feel strongly about or believe should change.
61
I am happy for my comment(s) in this section to be used as an attributed quote* This field is required.
Yes
No
62
If the compliance process or requirements could be improved in one way to better support your advice and client outcomes, what would it be?This is optional, type text - click the Tick to Save
0/500
63
If insurers could introduce, improve, or simplify one feature of any CIC or IP policy, what would make the biggest difference to you and your clients?This is optional, type text - click the Tick to Save
64
If CIExpert could add one new feature or enhancement to make your work easier or more effective, what would it be?This is optional, type text - click the Tick to Save
65

About the work you do
Lastly, just a few quick questions about you and your practice.
66
Your Name* This field is required.Provide us your name so we can enter you into the prize draw to win a £500 John Lewis Voucher!
First Name
Last Name
67
Your Email* This field is required.Provide us your email so we can enter you into the prize draw to win a £500 John Lewis Voucher!
example@example.com
68
Which of the following best describes your organisation’s main business focus?* This field is required.select one
Mortgage & Protection
Protection Specialist
Wealth / Investments / Pensions
General Financial Advice
Other
69
Does your organisation belong to a network or membership group?* This field is required.Select one answer
NO - Not applicable
HL Partnership
Mortgage Advice Bureau (MAB)
The Openwork Partnership
Primis Mortgage Network
Quilter Financial Planning
The Right Mortgage Network
Sense Network
Sesame Bankhall Group
St. James's Place
Other
70
Approximately what proportion of your organisation’s activity is focused on protection?Select one answer
0–25%
26–50%
51–75%
76–100%
71
Which of the following best describes your role within the organisation?* This field is required.Select one answer
Protection Adviser
Mortgage & Protection Adviser
Financial Adviser
Paraplanner
Management / Administration / Training support
Other
72
How would you describe your level of knowledge of CIC & IP?* This field is required.Select one answer in each row
Very High
High
Moderate
Low
Very Low
Critical Illness
Row 0, Column 0
Row 0, Column 1
Row 0, Column 2
Row 0, Column 3
Row 0, Column 4
Income Protection
Row 1, Column 0
Row 1, Column 1
Row 1, Column 2
Row 1, Column 3
Row 1, Column 4
Critical Illness
Income Protection
Very High
Row 0, Column 0
High
Row 0, Column 1
Moderate
Row 0, Column 2
Low
Row 0, Column 3
Very Low
Row 0, Column 4
Very High
Row 1, Column 0
High
Row 1, Column 1
Moderate
Row 1, Column 2
Low
Row 1, Column 3
Very Low
Row 1, Column 4
1 of 2
73
Thinking about your protection work, which types of clients do you most commonly advise?* This field is required.Select up to three answers
First-time buyers
Re-mortgaging clients
Renters
High-net-worth clients
Self-employed / business owners
Older clients nearing retirement
A broad mix / no single dominant client group
Other
Should be Empty: