Individual Protection

After the banks tightened their belts and restricted mortgage lending, the protection industry braced itself for a downturn in business. Yet as Peter Carvill points out, the opposite appears to be happening - for now.

The Protection Menu offers: n Level life cover n Level life cover with accelerated critical illnes...

The whole of life market has been hit with yet another year of poor sales figures, but is there a way that the sector can grow to offer a more up-to-date offering to consumers? Lucy Quinton reports. Click here to download pdf

Due in part to the Government's removal of tax relief on PTA, term assurance has failed to stay at the sales peak reached in 2004. Peter Carvill investigates why it has not reached its formerly lofty heights again. Click here to download pdf

Facing your fears

Tom, 35, lives with Beverley, his wife of the same age. Last week, Tom fell down the stairs and while his doctor has said there will be no lasting damage, he has torn the muscles in his left shoulder. Tom works as a teacher. He earns £30,000 a year and,...

As more and more waves of advisers are beginning to focus their attention on selling business protection products, Jerry Bayman explains how to capitalise on the offering.

After another less-than-successful year, individual income protection is the subject on everybody's lips as this month's COVER survey paints a stark picture. Lucy Quinton reports. Click here to download pdf

The poor performance of IP has forced providers to play catch-up with other offerings and bring the cover into the 21st century. Nick Telfer explains how IP is in desperate need of a makeover.

Advisers have failed their clients when it comes to business protection as most have not recommended...