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There appears to be confusion among consumers, some financial advisers and in particular claims chasing companies, when it comes to payment protection insurance (PPI) and income protection (IP).

The challenge for income protection continues. The current focus for most providers is currently on the legislative issues of Solvency II, RDR and gender neutral pricing. These issues are large and distracting from product development.

Since Andrew Dilnot published his Fairer Care Funding report in July 2011, much has been written and said about it by the press, by charities and by politicians on all sides.

With the protection gap growing, Paul Yates celebrates an unsung hero with access to all levels of the market, the mortgage broker

Many insurers cite ‘early intervention' as key to improving long term absence outcomes and improving the claims experience of group income protection (GIP) policies.

One thing you can say about the recent Review of Simple Financial Products is that Carol Sergeant and her team have done their homework. If nothing else, it breaks down and builds up a clear target market for a simple income replacement concept.

COVER's editor Paul Robertson introduces the new website and invites you to come in and nose around.

Greg Becker fears the RDR may worsen consumer detriment as fewer people seek advice.

Phil Jeynes warns that removing components from simple products may mean weaker cover for clients.

Speak up when leader's leave of absence risks rumour disease, says Kay Williamson