Opinion

"How does protection insurance compete against electricity bills, Netflix or new clothes for the kids?"

"It’s a sad day that when tenders come up for renewal, the lowest bidder wins"

Checklist for the measurement and evidencing of Consumer Duty

"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