Opinion

"The combination of carrot and stick should make a marked difference"

"Certain individuals are more vulnerable to its effects than others"

"Vulnerability is the foundation on which the Consumer Duty pillars are built"

"Few advisers are able to retain this disparity of coverage in their heads"

‘Protection needs to start targeting younger demographic more successfully’

Significant shifts in usage and design

Confidence in client offering

"As time passes, there is an increasing risk of further health issues arising"

"Customers can still be unsure of what support is available and relevant to them"

"I hadn’t considered that our lighting choices would make some of our guests feel safer"