• Perspective: A boost for professionalism

    Group risk appetite for certification

  • Cash plans– still as relevant

    Employers could argue that improvements to the NHS over recent years means that cash plans are not as meaningful as before. But they would be wrong, as Emily Perryman reports

  • Long-term care - the role of financial services

    Following the publication of a green paper on the future of long-term care, Emily Perryman outlines why the financial services industry has a key role to play

  • In Focus: Individual IP - targeting the mass market

    The whole country, as advisers are so often told, should wake up to the need for income protection insurance. But, as Edmund Tirbutt reports, insurers’ obsession with product innovation might just be leaving everyone in a spin

  • Perspective: NICE work? What new back pain guidance means for employers

    New guidelines from NICE confirm what insurers have been saying for some time about musculoskeletal conditions. Paul White, head of risk benefits at Aon Consulting, reviews what insurers are doing to support the return to work

  • In Focus: Individual PMI

    There has been a flurry of innovation in the consumer PMI market, largely on the part of smaller providers. In his annual survey of market sentiment, Edmund Tirbutt asks if the big guns are planning to return fire

  • Income protection – the suited occupation dilemma

    Last month, Health Insurance tried to simplify the complicated matter of activities of daily living. This month Emily Perryman looks at a different issue affecting the individual income protection industry – so-called suited occupations

  • Perspective: Challenges facing insurers targeting the Gulf

    In the second article of a three-part series, a leading management consultant explores the opportunities – and threats – for private insurance providers in the Gulf

  • Perspective: Your commission and the true cost of quality

    Insurers are losing patience with advisers who have poor lapse ratios and continually provide them with poor quality business. Mick James, business development manager at reinsurer RGA UK Services Limited, explains why it’s only a matter of time before they get tough on commission

  • Income protection - the ADL dilemma

    A client with two broken arms may fail many of life’s basic tests but whether these include those set by his IP provider can mean the difference between a pay-out and poverty. Madeleine Davies investigates a much-maligned concept – activities of daily living

  • In focus - Occupational health

    Dame Carol Black’s review of the health of the working population has brought occupational health firmly into the limelight. Edmund Tirbutt gives an overview of a sector coming into its own

  • Perspective: Yes, there is a future for critical illness cover

    A reinsurer’s rationale for optimism

  • In focus: Critical illness

    As the percentage of critical illness payouts continues to increase, the protection industry is enjoying a moment of well earned praise. However, as Edmund Tirbutt reports, more needs to be done to improve consumer confidence still further

  • Cash plans & PMI

    Cash plans and private medical insurance are of course valuable benefits in their own right. But, as Emily Perryman explains, it is often when used together that they can deliver the best results for clients

  • Whole of life plans

    Product improvements and changes in the regulatory and economic climate mean that whole of life insurance is growing in popularity. But just how committed are insurers to the market – and is there really a WOL renaissance underway? Emily Perryman reports