What did YOU think of last year?

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2008 was a fairly tumultuous one in the protection industry in terms of product innovation. But which do you think will be the most influential in the long-run?

The story of 1998 in the protection industry was that this usually recalcitrant sector started to actually innovate en masse, largely independent of each other. In no particular order, there was Click, Fortis, PruProtect, LV=, Unum and Canada who between them launched a range of products including Real Life Cover, EAP and Class.

That's not a bad overall for an entire year, particularly in this industry, and it's easy/lazy for us to sit back and amiably wish that 2009 will see more of the same. But the real question, and the most interesting protection-related topic, is which of these will still be leaving their marks on the protection sector in three, five, ten and twenty year's time?

Rather than try to answer this question ourselves, over the next few months we're going to pitch it to the adviser community, starting with an upcoming feature outlining what each of these products brought to the table last year.

Then, the important bit.

We're going to conduct a poll on this website and we'd like you to tell us which of these products you think is going, in the long run, to be the most influential of 2008.

The polls open next month. We hope to see you here.

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