Private medical insurance is the only protection product that has seen improved sales.Term insurance, critical-illness cover, income protection, mortgage payment protection insurance and PPI all suffered falling sales in the last year. The Protection Review annual report, co-edited by industry figures Peter Le Beau and Andy Couchman, offers an independent analysis of the health and protection markets in the UK. It shows that sales of CI were down by 19.6 per cent, income protection was down by 14.7 per cent and whole of life plans were down by 19.7 per cent. MPPI and PPI sales fell by 5.8 per cent and 2.5 per cent respectively. The PMI sector saw the sole rise. up by 3.3 per cent. Norwich Union Healthcare managing director Graham Boffey says: The market has stopped declining. We expect 2005 to have remained fairly static but believe the recent introduction of modular products will help grow the market. In addition, recent publicity around the NHS, including the potential funding problems beyond 2008, may start to encourage more individuals to think about PMI. AMII chairman Steve Walker says: The individual market is at last showing signs of growth following prolonged stagnation. I believe this is being achieved by the wave of new products which are at last addressing the affordability factor.