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Sales might be up just now, but the long term trend looks dismally downwards, and I think is only reversible if we sell policies that cause more claims while leaving fewer claimants dissatisfied
Last month I noted that my business is finding that consumers generally are more easily engaging with our efforts to explain income protection than they were.
The default position of commentators on protection insurance is that the market is in need of reform, and is perhaps even broken.
Great news! Income Protection, was bought by 10% more consumers in 2015 than in 2014
Read the full transcript from Tom's keynote speech at this year's LifeSearch Protection Awards.
2015 was a busy year for our dedicated claims team.
Although it is far too early to tell whether the protection market grew in 2015, it felt to me like a vintage year.
Why advisers will not be going the way of black cab drivers!
What do you call a group of protection intermediaries?
Emma talks about a recent experience, highlighting what an important job advisers do!
Tom Baigrie touches on why intermediaries and manufacturers should work together to serve consumers better.
How frustrating is it to be proved right all along?
With claims paid rates for protection now so high, could the matter become a source of much needed positive press?
Trusts may have a place in the estate planning of the rich but not in the lives of most consumers.
Emma Thomson looks at what we can do to service existing clients better.
When insurers design their protection propositions, is the proper place to begin with the claims experience and work backwards?
Some easy to follow tips on how to secure your family's financial future
Why it may be time for a shift change in the financial services industry.
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