Aviva has unveiled its protection TV advertising campaign. Is this the chink of light that the industry needs to maximise consumer awareness and engagement, and will it prompt further moves by insurers either individually or collectively?

A client who owns a four-man window fitting company has asked me to organise business protection for him. This is not an area I'm familiar with, so as a complete beginner how do I go about evaluating the amount I should be protecting him for?

Ben Heffer provides Paul Robertson with an insight into the workings behind Defaqto and an analysis of the market's future

Alistair Sclare issues a call to arms for a PMI sector where dissent is coming to the fore

Does the external rating of products add value and what can advisers use them for? Ben Heffer explains

Products evolve with their client base, so what should we be looking for as the UK ages? Stuart Hayman investigates likely changes

How can the insurance industry address changing healthcare and wellbeing needs in the 21st century? Mike Benton suggests a radical change in focus

The FSA is consulting on exempting Holloway products from RDR fee-based payments, but the devil is in the detail as the exemption would not apply to all products.

This new year promises to produce some valuable innovations in the income protection market.

Are you afraid that when the RDR arrives the public will perceive advisers as charging fees for all products and so not consider coming to you for protection advice?