How are you treating your 18-21-year-olds?
My question to you is; how are you managing the advice you give to your 18 to 21-year-olds and older "dependants" in many cases?
The ones still living at home and their parents are paying for them. If you're like most of the industry, that answer will be something like "as long as their parents call the shots, they're dependants, so whatever the parents want."
And that's certainly how we have handled it historically, where dependant kids on medical policies were to 18, then 21, and now 24/25 on an adult premium from age 21, and some the kids never have to come off.
With trauma covers, we've been working with to-age-18 on coverage and changes. Generally, the advice is with the parents to continue this for the kids, now adults.
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