Individual Protection

Despite public confidence in protection, most people would rely on support from partners and savings to survive if needed

Less so if cause of death is heart attack or lung cancer

New version is "a different beast entirely" compared to individual CIC plans, says Alan Lakey

CIC replaced by 'employee significant illness cover' to meet HMRC requirements and remove confusion

Almost most two-thirds believe protection products are too expensive

Failures in the trusts solution are damaging consumer trust in protection, writes Ruth Gilbert

Almost half of UK households risk losing up to £25,000 a year should a female member aged 25 - 45 lose their income

He replaces Swiss Re's Russell Higginbotham

Research by Chartered Insurance Institute (CII) has found women are more indebted and less confident when managing money than men

Research from Scottish Widows also shows only 13% of mums have a critical illness policy