Opinion

In the ongoing battle between the legal profession and the insurance industry, the latter currently sits at win-one-lose-one, but the big fight may be yet to come...

Following on from the introduction of sales guidelines for critical illness, COVER's sister title Mortgage Solutions has asked the industry if advisers need increased guidance in selling protection.

The FSA is consulting on exempting Holloway products from RDR fee-based payments, but the devil is in the detail as the exemption would not apply to all products.

The new ESA statistics are being abused but, says Owain Thomas, they could spur IP sales.

This new year promises to produce some valuable innovations in the income protection market.

RGA actuary Greg Becker discusses the lessons that can be learnt from the South African protection market.

Get ready for IMD2. Yes, the EU Commission is reviewing the Intermediaries Directive and it is now reaching full consultation stage.

John Ritchie reviews the trends in employee benefits and looks ahead to its future growth.

Last month it was social impact bonds. By the time you read this another ‘new' initiative will be about to surface from under the radar.

Andrew Clothier reminds that many with mortgage payment protection products are over insured or not insured at all.