20th anniversary Q&A: COVER's founder speaks

It is 20 years since we launched COVER magazine and as I look back it does seem like only yesterday and yet the industry has made huge strides and improvements. At the time of COVER's launch, a survey from a major life office which was our inspiration - its research had said that protection was the fast growing part of advisers' business. This made sense. The economy was coming out of recession, we were about to have a change of government from Conservative to Labour, pensions was going through one of its periods of over-complication and investment flows were still very focussed aroun...