In today's healthcare and protection market, it is difficult to choose how best to market your products on a budget - Philip Wood explains

In the first of a series examining worldwide developments in products, distribution and initiatives, Greg Becker begins by looking at India

My client has an individual IP policy, but his employer is offering group IP cheaper for the same level of cover, plus an employee assistance programme (EAP). It is unlikely he will work for the same employer for life and this policy has a continuation...

With an increasing use of electronic underwriting engines, how do reinsurers compare the quality of different provider's rulebooks? Andy Smith investigates risk assessment and operational performance

The Pensions Bill has begun its reading in Parliament. Will the creation of the National Employment Savings Trust open the market to businesses never before involved in providing financial support to their employees and create opportunities for advisers...

When selling protection, IFAs may have to ditch hard facts and be more aware of the clients' needs - especially over their savings, says Louise Colley

Brian Lindley explores the PPI marketplace, consumer attitudes and what may help regain their trust

What improvements in medical technology could PMI providers expect to use in order to control costs in the near future? Doctor Peter Mills investigates

The new scheme will change the employee benefits landscape, but as Peter Barnett points out, there will be winners and losers

First HM Treasury consults on simple products, then the FSA on product regulation - what gives?