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Ron Wheatcroft discusses how three reports published in September demonstrate the difficulties in funding an ageing society.
Advisers are at risk of further FSA action as miscommunication between AIFA and the ABI means many are not aware of critical illness (CI) sales guidelines released last year.
The regulator's about-turn to allow commission payments on Holloway-style income protection plans after 2012 proves the RDR neglected lower-premium paying consumers from the start.
Other Icobs articles
ICOBS is son of ICOB, but has it lived up to its expectations? Julie Pardy investigates
Critical illness (CI) sales scripts are ready for implementation by the end of the year following approval from the FSA and Association of British Insurers (ABI).
Protection specialists have welcomed the conclusions on the sale of pure protection released today by the FSA in PS10/13.
The FSA has confirmed group business is exempted from commission disclosure requirements laid out in PS10/13, since it was not the intention of the RDR to bring commercial group risk into its scope.
Firms can 'make a judgement' about when pure protection services are associated with investment advice as the FSA settles on a more relaxed disclosure regime under COBS.
The individual critical illness market has long been one of the most competitive in the protection industry, but, writes Owain Thomas, could controversial new plans and a battle over definitions see it break out into open warfare?
Advisers could face using approved scripts when selling protection after criticism about poor intermediary product explanations by the FSA.
Richard Howells, intermediary sales director at Zurich UK Life, says advising your clients on their protection needs could open up a wave of new opportunities
The FSA has given advisers who sell individual long-term pure protection contracts under ICOBS until the end of the year to apply its rules on 'total premium' disclosure.
The FSA’s verdict on protection and the RDR is in. Graham Harvey examines the changes that will be needed as a result
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