Considering the current economic climate, what do you think the main focus will be in terms of marketing budgets in the next 12 months? Do you think that lead-buying will fare well?

Given the increasing importance of business protection in the current economic climate, Jerry Bayman looks at how advisers can attract new business clients.

UK and EU deliberations on extending anti-discrimination law to goods and services are still rumbling on and lobby groups continue to press for resolution of "unfinished business".

Companies can get ahead in the recession by investing money in a marketing plan. Justin Rees explains how lead-generation spend should be analysed.

With the EU Gender Directive now UK law and more changes anticipated, Nick Starling explores the potential impact of anti-age discrimination legislation on health and protection insurance.

Complementary to PMI, cash plans can help through hard times, Peter Lauris tell Peter Carvill.

Paul Gyseman highlights how cost savings, greater efficiency and increased consumer satisfaction can be achieved through tele-underwriting in its various forms; little ‘t', middle ‘t' and Big ‘T'.

Last month's COVER Focus on income protection (IP) mentioned October's introduction of Employment and Support Allowance (ESA) as a prompt to the public to realise how little state support they would get if they were too ill to work.

The FOS reflects on outcomes of ABI guidance

The role of employee benefits in nurturing a stable and healthy workforce is often misunderstood by employers. Wojciech Dochan explains how to keep staff happy in their jobs.