Critical illness is a well-established form of protection insurance that serves to provide a lump sum in the case of a debilitating illness.
It was devised by Dr Marius Barnard, a South African doctor who helped to pioneer heart surgery, and realised that people who had undergone his surgery needed a source of finance to live a more curtailed life.
But financial advisers are lacking in their knowledge of protection insurance, how to advise on it and what is available.
There are also all sorts of people who may well benefit from Critical Illness cover, but will not be aware of it.
The insurance industry has developed the way policies are designed quite substantially in recent years, making them easier to advise on.
But there is still a lot of education that needs to be done.
This guide is worth an indicative 60 minutes CPD.