Moreover, because lifestyle products are sold as an advised product, this makes it an important part of the adviser's toolkit when it comes to engaging and recommending cover, according to Julie Highman, income protection product manager for Aviva.
She explains: "Short-term income protection is sold as an advised product so the consumer is guided through a fact find with their financial adviser, first to establish their needs and then to recommend the correct product and options within that product to meet their specific needs."
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