Mark Cracknell: A year is a long time in income protection

Life happens, so they say! And indeed it does, often in the most unexpected and unpredictable of ways. Advisers who sell income protection policies know this better than most; helping their clients to understand the need to plan to become financially resilient in the face of some the most difficult changes that people can experience in life. Those who have experienced a catastrophic change in circumstances that leads them to claim on their income protection policy appreciate this only too well. However, the more subtle, gradual changes that influence a client's financial situation fro...