H.H Holmes: The Original Client From Hell
Stress Test for Income Protection Cover

Bringing Long-Overdue Innovation to a Premium Pricing Model

In America auto insurers offer premium discounts for a number of reasons including, taking defensive driving courses and installing anti-lock brake systems. Life insurers issue a policy based on a single point-in-time assessment as to the client's mortality risk, then collect the contract-prescribed premiums. This is about to change according to John Hancock Financial who recently unveiled an initiative that promises to transform a largely passive relationship between insurer and insured to one where customers are rewarded over the life of a policy for healthy living.

Click here to read more about how the programme works.

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