With nearly 20 years of experience of working in insurance and protection, Rebecca White shares her insights on how leveraging value-added services can help deliver holistic protection:
“There’s a growing – and welcome – shift in the world of protection: today’s policyholders want more than a bundled package. They need tailored, meaningful advice and a safety net built around their lives.
This means moving away from a “product-first” mindset and instead starting with people. It’s about asking deeper questions and thinking differently about what protection really means. And this is where value-added services, such as those offered by Teladoc Health, can significantly transform the impact.
Value-added services offer a range of support services that can help policyholders manage their health and wellbeing, potentially reducing the need to claim on the policy or supporting them through a claim. A key strength of value-added services is their focus on prevention. Features such as second medical opinions create a supportive framework from the very first signs of illness or injury. This proactive approach not only aids early diagnosis but can also reduce the likelihood of large claims by addressing conditions before they become more advanced—and therefore more complex, costly, and time-consuming to treat.
We all know that protection isn’t just about the payout. It’s about support – emotional, physical, and practical – at the moments when people feel most vulnerable. That’s where Teladoc Health steps in, offering access to expert medical advice, mental health support, second medical opinions, and ongoing care before a claim is even made.
It’s not just about selling a policy – it’s about delivering a service that walks alongside the client throughout their health journey. In a world where income protection is no longer an afterthought for people, value-added services are the thread that connects the “what if” to the “what now.”
Income protection is personal, complex, and it deserves to stand alone. But even standalone IP needs to evolve. Clients don’t just need financial stability; they also need support to stay well, recover more quickly, and return to work when they’re ready.
That’s where Teladoc Health’s services become a powerful differentiator. For clients facing illness, injury, or mental health challenges, proactive support can be life-changing – and cost-saving for insurers too.
Digging deeper takes more time. It means stepping away from the path of least resistance and into conversations that uncover what clients really need, not just financially, but in terms of ongoing wellbeing. But the reward? A more complete protection plan. One that actively enhances a client’s life.
Because protection isn’t just about what people do when things go wrong – it’s about what you can offer every day to help keep policyholders and their families well.”
Explore how Teladoc Health can add real value to your protection advice: https://teladochealth.org.uk/sector/insurance-providers-brokers/
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