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“The inclusion of additional payment conditions has been a major battlefield”

"Firms must also understand the characteristics of any consumer who experiences harm or a bad outcome"

“Advisers need to be the change we want to see”

"Serious Illness policies are most likely to cover some degree of chronic pancreatitis"

“A framework for a consistent approach for reporting would be needed”

"Knowing where to begin for most small businesses is a huge barrier"

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“The adviser kept insisting that they really didn’t think I would need life cover”

“I had to crawl my way every month to doing well”

“It is inappropriate and potentially dangerous to shoehorn an individual into a generic treatment plan”