Buying insurance through a consumer lens

Like many other consumers, I purchased a raft of protection insurance when I bought my first property. In those days, life insurance was compulsory, taken out through the lender, and the transaction could not proceed until the underwriting was complete. Later on, protection became a less prominent (and no longer compulsory) feature of the mortgage transaction or was hived off as a separate conversation with a specialist adviser, hand in hand with general estate planning and will writing.  Fast forward a few years and I found myself working at the Financial Ombudsman Service making ...