If there is a lesson to be learnt from the South African Zimele standard, it is to have product standards not standard products. Greg Becker explains

The reorganising of the NHS will open opportunities for private health provision. Richard Walsh highlights likely scenarios

All companies look to assess life claims promptly and efficiently, yet delays do occur, mainly due to probate. Alex Isted looks at an initiative to solve this problem

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.

Heart attacks normally mean huge critical illness ratings, Julie Hopkins looks into new and existing medical research of this condition

I sold my client a family income benefit (FIB) plan which has subsequently been claimed on. However, I was surprised to discover that the provider convinced my client to take the benefit as a lump sum instead. Should the adviser be informed about this...

As the dust settles, Peter Barnett gives his view of the Spending Review's impact on financial services and the economy in general

The Cycle to Work scheme has been growing in popularity. However, have HMRC guidance plus a recent court ruling put a spanner in the spokes? Paul Bartlett investigates

The interaction of PMI providers and their customers at point of claim can be tricky. Lisa Hall outlines the pitfalls to be avoided

Has the government's long awaited spending review focused the publics' mind on protection and health insurance to any meaningful degree, and do you think the industry will capitalise on it?