Friends Life enhances CI cover

Steve Payne, managing director of protection for the provider, said the changes were based on extensive research among Friends Life’s customers.

Through assessing “what our customers want”, he said Friends Life was adding significant visual loss conditions and enhancements to both stroke and child cover definitions.

For child cover, this would now not only cover hydrocephalus but also cerebral palsy, cystic fibrosis and muscular dystrophy.

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The cover has been extended to protect customers, even if the condition is diagnosed during pregnancy, as long as the policy was in force prior to diagnosis.

There are changes to the definition of strokes so that, where there is clear medical evidence, claims for strokes are paid more quickly without relying on the need to demonstrate permanent neurological deficit.