www covermagazine co uk survey individual ip cover december 2006 37 many cases it is not because selling critical illness insurance easier partially that a lump sum product and to get underwritten in force according industry experts stagnant market often dwarfed by its inferior cousin mppi edwards says sold great volumes mortgage brokers lenders very mistaken for some wrongly marketed as websites the application process so easy contrast where distrust of sector due partly recent endowment mis scandal adverse publicity on payment protection ppi plans general consumer journalist message providers are untrustworthy lakey adds should be major success only capable offering worthwhile non cancellable income roger products director at bright grey also believes meets needs perhaps better than any other he more but latest figures from association british insurers abi show