Opinion

The Association of Independent Financial Advisers (Aifa) has called for the structure, processes and charges of the Financial Ombudsman Service (FOS) to be given a radical overhaul. What do you think of such an idea, and what do you think of the Hunt...

The Association of Independent Financial Advisers (Aifa) has said that the Financial Services Authority (FSA) should have conducted a retail market review rather than just focusing on distribution. Do you agree? How much will the Retail Distribution Review...

At the end of last year, Norwich Union said that it was planning to launch a guaranteed claims pilot. If launched, it will offer policyholders a guarantee that their protection policies will pay out and will be available for an extra £2 to £3 a month....

What are your thoughts on Thoresen's Generic Financial Advice interim review, particularly regarding the news that it could cost the Government and the industry anywhere between £40m and £80m? Do you think protection will be overshadowed by other products...

Is it right for the Financial Services Authority to impose harsher fines on firms not complying with its Treating Customers Fairly initiative when selling payment protection insurance?

Life must remain within a suite of products that includes critical illness and income protection Kevin Carr

The Financial Services Authority (FSA) is thinking about dividing insurance into two categories - one more complex and one less so. But while it is pretty much set that critical illness and income protection will be in the higher-risk category, industry...

The Law Commission's consultation paper suggests that life insurers should introduce a five-year cut-off period for declining claims for non-disclosure. But life insurance is the only product in the entire protection range to be included. Why do you think...

The Protection Review that was published in July has revealed that the market is holding up reasonably well, but there is still no sign of a real move to close the £2.3trn protection gap. How can we begin to close it over the coming year?

A recent report from the Financial Ombudsman Service showed there was a 17% decline in the number of income protection and critical illness disputes it had received during the past 12 months compared with the previous year. What do you think of these...