Many advisers come across clients who have cover with a major employer group scheme and would like to be able to access research to support recommendations to either retain, replace, or dispose of this cover. “Wrap-around cover” with very high excess levels so that benefits such as good non-Pharmac drugs coverage can be offered is a common component of advice – but understanding what is actually covered already is a key part of making any effective recommendation. As many of these groups have terms and conditions specific to them, or are at least based on a different ‘foundation’ product to current retail offers, it is not simply a matter of looking at current retail policies. Therefore, we are often asked if we compare group life and health insurance on Quotemonster as part of the quality product research service. QPR does not, although at times Chatswood does, offer bespoke comparison to larger adviser groups and insurers – this is not an economic solution for most advisers. However, we are now defining the scope of work to add group life and health comparison to the site. If you would like a say in how the new service works we would be delighted to hear from you. In particular we would like to know what the most common group schemes you come across are and which you would most like us to provide research on. Please send your comments through to our team on [email protected]