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Critical illness products are continually evolving worldwide. With this in mind, Greg Becker checks out some interesting developments in Hong Kong.

I do few PMI sales and want to cover my back with a business client. They are a wealthy couple in their 50s and both have had heart attacks. Obviously their PMI cost is high but they are looking at moratorium underwriting to alleviate this. Am I right...

Protection business in 2012 and 2013 will be affected by events this year and some fundamental changes to the way customers policies are priced into the next. Richard Verdin explains.

The global nature of international PMI means providers have to be on top of their game and get the claims process right first time, every time. Tim Mutton delves into the detail.

Employee assistance programmes are in the spotlight due to a schizophrenic approach by government. But as Sue Weir points out, they are backed by solid research.

Want an example of how not to do things? Owain Thomas finds the UK term assurance market's approach is being avoided worldwide.

How will people buy insurance in future? Greg Becker visits the US for developments in online distribution.

How hard is it to design disability-based protection products in 2012, asks Andy Milburn.

So, you haven't sold income protection to your clients. What's the worst that can happen? According to John Bridge, an awful lot...

Cash plans are increasingly used in place of private medical insurance excess. Howard Hughes assesses the sustainability of this pricing model