Vicky Churcher: It's time to KISS complexity goodbye

Complex products and processes are just as likely to put people off protection as price or a lack of awareness of the need. Ask clients what they do not like or consult with advisers about the issues - or even listen to industry experts on stage at conferences - and you will hear the same objections to protection products come up year after year. People do not think they need it. Illness and disability is something that happens to someone else, isn't it? And if you are fit and healthy and young, premature death is never going to be a fear that galvanises them into action. In short, few p...