Discussion

At a recent critical illness (CI) conference, it was observed that a lot of the individual market's underwriting problems could be reduced by using a low free cover limit (e.g. £50,000). Would bringing this into line with group business be helpful to...

Video footage of COVER magazine's recent Dental Cash Plan Breakfast Briefing in association with Denplan.

The internet, new media and social media are continuing to grow in popularity and importance for interacting with people. What should advisers be doing to make the most of these opportunities?

HM Treasury believes simple products by definition should be allowed to be sold without advice.

According to research reported in last month's COVER, many IFAs have poor protection market knowledge. Do you agree and what should be done about it? Do we need a dedicated protection exam?

Some providers are increasingly targeting workplace and employer based routes to market. Is this going to become more common and should advisers be doing more in this area?

Leaving aside the question of advice, do you see simple protection products as a threat to IFAs or a stepping stone for clients? Should IFAs sell them alongside fully featured products?

COVER magazine in conversation with Friends Life's CEO Trevor Matthews

Can you see a change in focus for the FSA's replacement, following its renaming to the Financial Conduct Authority (FCA), rather than the previously suggested Consumer Protection and Markets Authority (CPMA)?

The Pensions Bill has begun its reading in Parliament. Will the creation of the National Employment Savings Trust open the market to businesses never before involved in providing financial support to their employees and create opportunities for advisers...