What are the biggest protection stories of the last 12 months?
The individual and group protection industries have had plenty to contend with over the past 12 months - not least the need to navigate some major legislative changes such as the EU gender directive, the removal of the I-E tax regime and the introduction of auto-enrolment for pensions.
But that hasn't stopped providers from making both some controversial - the year started off with a bang when Unum announced the shock news it was pulling out of the consumer income protection market - and innovative moves.
On the product innovation side, we've seen growing numbers of insurers introduce partial payments to their critical illness policies - which has generated fierce debate over whether this really leads to a better outcome for consumers - and the emergence of short-term income protection, a product many fear could be dangerously close to payment protection insurance.
The industry continued to make strides towards improved consumer confidence, with Aviva publishing its income protection claims statistics for the first time, but there was also acknowledgement that much work remains to be done.
And with the most hotly debated topics of the past year including whether protection advisers could begin to sell more private medical insurance, as well as the opportunities for group risk intermediaries in the SME market and following the introduction of auto-enrolment, 2013 looks set to be another busy year.
But before those wheels are set in motion, take a look over the 10 biggest protection stories of 2012: