IP

In January the FSA and OFT issued joint guidance on payment protection products. This is essential reading for IFAs selling protection products - especially those in the mortgage market.

The New Year did not start auspiciously for the Treasury simple products initiative and income protection insurance.

My client is 35, single and earns a significant wage. He has no protection at all. He rents an expensive property in south west London and has no living relatives. I am trying to advise him on why he needs protection. What types could be best for him...

When it comes to the Sergeant Review, can a simple IP product really work? John Letizia investigates.

Exeter Family Friendly chief executive Andy Chapman remains committed to the virtue of simplicity.

After travelling the globe we return home to consider one of the rising stars of recent times: underwritten annuities. Greg Becker investigates aspects the wider market could emulate.

No longer just an insured benefit, group IP is making waves with a range of additional features and is set to benefit from auto-enrolment and changes to the default retirement age. Nicola Culley finds out why it could be a gold mine for advisers.

The environment income protection is sold into is changing fast. Lee Lovett sees promising signs this could be the start of the time when IP cover comes of age

As embattled employers look for ways to offer low-cost employee benefits, group critical illness could be just the ticket. So why is the GCI market only one-twentieth the size of group life? Nicola Culley investigates.

Market surveys are nothing without analysis. Paul Avis finds Swiss Re's latest highlights a few worrying trends in group markets but also a number of opportunities.