Lisa Martin: The art of protection advice

Helping clients secure their dream home is undoubtedly one of the best aspects of an adviser's job but with fewer people taking out protection policies, there is an argument for changing the conversation around house buying. The Association of British Insurers revealed in its State of the Market 2019 report that the number of individual protection policies - such as life insurance and income protection - decreased in 2018[1] by more than 9% from 25.5m to 23.1m. This is in spite of the fact total gross mortgage lending last year of £269.2 billion was more than double the rate in 2010 (...