Is protecting retirement provision a life adviser’s duty? Part two.
[Opinion]: In an earlier opinion piece, I argued that early death, disease and disability is a risk that can destroy the ability to retire as expected and that this is a risk that life advisers should recognise and consider when making recommendations on Life, Trauma and TPD product sums insured.
In this second part on the topic, I’ll explore a couple of issues to consider when giving advice on temporary disability risk and insurance (income protection, mortgage repayment covers and waiver of premium) that pays monthly benefits. There may be others.
Protecting retirement with monthly disability covers
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