Icobs

Is it time for intermediaries to look at whole of life cover as more than an Inheritance Tax planning tool and to take a multi-usage approach, asks Jennifer Gilchrist.

With price comparison websites growing in number, advisers should take advantage of their own IT systems, despite greater regulation, Andy Valvona explains.

Ron Wheatcroft discusses how three reports published in September demonstrate the difficulties in funding an ageing society.

Advisers are at risk of further FSA action as miscommunication between AIFA and the ABI means many are not aware of critical illness (CI) sales guidelines released last year.

ICOBS is son of ICOB, but has it lived up to its expectations? Julie Pardy investigates

Critical illness (CI) sales scripts are ready for implementation by the end of the year following approval from the FSA and Association of British Insurers (ABI).

Protection specialists have welcomed the conclusions on the sale of pure protection released today by the FSA in PS10/13.

The FSA has confirmed group business is exempted from commission disclosure requirements laid out in PS10/13, since it was not the intention of the RDR to bring commercial group risk into its scope.

Firms can 'make a judgement' about when pure protection services are associated with investment advice as the FSA settles on a more relaxed disclosure regime under COBS.

The individual critical illness market has long been one of the most competitive in the protection industry, but, writes Owain Thomas, could controversial new plans and a battle over definitions see it break out into open warfare?