The protection industry is at the mercy of its own complacency.
Soft compulsion could boost income protection take-up and cut costs to the welfare state. But is it viable?
A survey from reinsurer RGA has found the protection industry is predicting automated advice within five years.
Looking at the FOS’s published complaints decisions gives a good idea of what causes protection complaints and how the ombudsman views the issues
Technology is allowing consumers to remotely access documents while their adviser talks them through it and even sign agreements while ensuring security is not compromised.
Campaign to set out stall to secure funding from providers
Although many compliance officers are reluctant to consider the rebroking of critical-illness plans, using careful analysis can show when clients would clearly benefit from a change
The large insurers are lagging behind mutuals when it comes to innovation in the protection market
While the rest of the industry is stuck in the past, Zurich’s use of mobile technology makes advisers’ lives a whole lot easier by helping tackle the problem of case tracking
Building a business may be your client’s dream, but the self-employed face specific financial planning problems.
Advisers need to consider how and when insurers make partial payments not just that they are included in a critical illness policy.
It is worth getting up to speed on the details and advantages of key man insurance for corporate clients.