By Alan Sparks 9 May 2017

An estimated 8.5m working adults with dependants are not insured: a major protection gap. Two large markets exist with millions of people covered in each but which is most appropriate to fill the gap?

To get the best solution an adviser needs to understand the key features of both markets and be able to explain this to clients.

The fundamental difference is that group insurance is linked to employment and the employer covers most, and ideally all, staff.

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