"Vulnerability is the foundation on which the Consumer Duty pillars are built"
“Sadly, the experience of many is that they are still passed from pillar to post”
“Access to insurance is vital”
"Few advisers are able to retain this disparity of coverage in their heads"
Industry predictions for next year
Focus on arrears and cancellations
"The need for life, CI or IP can never rightly be questioned"
"Organisations shouldn’t place a sole focus on business cases and ROI calculations"