Istarted my career at General Accident in York in 1968 in the annuities department before moving into what became more familiar sales roles and progressing to more senior management roles around the UK.Between 1990 and 1997, I held the position of assistant general manager of GA, creating the first true multi-channel sales and marketing operation in the UK. While in this job, I started what was to be the pivotal and most personally satisfying period of my career. Starting with the merger of GA with Provident Mutual, I played a key part in three successful mergers in seven hectic years, in each case, creating an organisation greater than the sum of its parts both in terms of market share and new business figures.1998 saw the merger of GA and CU and creation of CGU. For me, the key priority in 1998 was ensuring the smooth integration of the CU and GA sales and marketing operations into one. With the new millennium came the “mega-merger” of Norwich Union and CGU to create CGNU, now Aviva, and my appointment as sales and marketing director for Norwich Union Life. A major success and achievement personally was the subsequent increase in market share for the new combined life company to 12 per cent from the previous two companies’ combined share of 9 per cent.2001 began what was an interesting phase in my career, as I joined Commercial Union Polska as a non-executive director, giving me an opportunity to learn about European markets and also to take distribution experience learned in the UK into another market. I also took up the role of chairman of the ABI distribution and regulation committee and the role of director of Royal Scottish Life and NatWest Life under the joint venture with RBS. In 2004, I was appointed to the role of chairman of Lifetime Group which is now 100 per cent owned by Norwich Union and which is spearheading the development of wraps. The latter end of 2005 saw me take-up a non-executive sales and marketing director role with Norwich Union Life and I was delighted and honoured to be elected president of the Chartered Insurance Institute. I am a great supporter of the CII and one of my key priorities in my presidency is to put the life industry at the heart of CII develop-ments, helping drive up standards and pride in insurance industry careers. This industry has been very good to me and given me a hugely varied and exciting career and I see this as a way in which I can help and give something back. As we start 2006, leading up to my retirement in June with Norwich Union Life, I look back with pride and see how the company has grown. Norwich Union is very well placed to tackle the challenges of the rapidly changing marketplace and I am proud of the key role I have played in its development.