Aviva ends AIG Life's impact based critical illness approach

Today, Aviva detailed its protection business plans following the acquisition of AIG Life back in April.

As part of the plan, Aviva indicated it did not have a desire to continue AIG Life's innovative impact based critical illness approach.

AIG Life's impact based approach covered the impact rather than the cause, with the insurer's website explaining: 

“The whole idea behind grouped conditions is to make critical illness cover simple. Whilst providing cover for a wide range of conditions is clearly beneficial, having the largest number of definitions does not reflect the broadest coverage. So, AIG have included grouped conditions you’ll be familiar with – easy to explain and even easier for your client to understand what they’re covered for. By focusing on specific surgeries or the impact on daily life, not the name of a condition, your client is more likely to be covered – whatever the name of the illness.”

What is your opinion on Aviva excluding this kind of coverage?