Voice risk analysis has made the underwriting process more efficient. Richard Sheridan explains how this technology and human judgement can work together in other arenas.

Gordon, 58, wishes to take out a private medical insurance (PMI) policy. He is in generally good health but works in an extremely stressful position as a highly paid civil servant. However, due to the recession, he will probably find himself retiring...

Ian Talbot examines how brokers can find innovative ways for clients to retain their PMI policies while also continuing to treat customers fairly against this backdrop of economic upheaval.

Providers looking to enhance CI products must consider the effect on systems and pricing, and whether further underwriting is required. Julie Hopkins explores how cover can be retrospectively amended.

Roger Edwards talks to Paul Robertson about the current concern providers have over the lack 
of advice requested since the latest CI product was introduced.

Anthony Burpitt offers a tour through two ‘real world' techniques that are used by insurers to reduce ‘headline' premiums.

In light of the FSA's proposed regulatory fee increases for IFAs, do you think that advisers should have more input with the regulator on rules affecting their business? Should they be represented on the board?

Jill Davies takes a look at the integral part information technology is playing in helping to advance the health cash plan market for providers, intermediaries and customers…

As companies confront the economic impacts of recession and plan their survival strategies, Richard Munro examines the challenges facing the health insurance industry.

After much talk of a generic industry-wide protection campaign it seems the ball has started rolling. Paul Robertson explains the what it hopes to achieve and how it may impact the industry.