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It's been some years since Dan Waters from the FSA first expressed concern about the use of platforms by advisory firms.

I wonder just what impact RDR will have on the protection industry. There are tiny shafts of light starting to show through in the form of unqualified advisers.

I suspect most of you are fed up with the electronic trade news feeds, feeding us a diet of gloom and doom on the start of RDR.

It is with regret that I am already breaking my new year's resolution.

The benefits of group risk products are severley restricted if payouts are not recieved in a timely manner. John Ritchie airs his concerns.

Selling stuff is simple: a need must be identified, a product recommended to satisfy it and someone to sell it who gets paid for doing so. The protection world however is not so simple.

There has been a growing noise across the industry about the ability of the aggressive aggregators to pilfer protection business from financial advisers.

Whatever 2013 holds, we need to return to the art of actually selling, says Mark Dennison

Product innovation is a term I continue to hear regarding income protection (IP). What do we need to do as an industry to engage the millions of people with a pressing need and ensure IP sales gather pace?

Does RDR apply to protection pricing? This one appears simple. No. Job done. But in reality it isn't that simple.